Credit Solutions Analyst - Growth & Middle Market ...

Do you want your voice heard and your actions to count? Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world. With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career. Join MUFG, where being inspired is expected and making a meaningful impact is rewarded. The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details. The Growth and Middle Market Technology Banking Team at MUFG covers the most exciting venture backed, private equity owned, pre-IPO and publicly traded technology companies in the world. The Credit Solutions team's primary responsibility is the evaluation, structuring, underwriting and monitoring of loan facilities and other credit exposures to this dynamic group of clients and prospects in the growth and middle-market innovation ecosystem. Job Summary: As an Analyst, you'll be supporting the team's transaction, origination, and credit analysis efforts. This includes support for portfolio management and analytics around the soundness of the portfolio. Additionally, you'll provide support in evaluating and underwriting loans and other credit exposures to Growth and Middle Market Technology Companies. You'll be assessing risk factors associated with each credit and determining the appropriate risk ratings based on established policies and guidelines. You'll also get involved in proactive portfolio management, modeling, active credit management and monitoring for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank's net income while minimizing credit costs. Responsibilities: Work within a deal team environment to support the credit analysis and portfolio management of the Growth and Middle Market Credit Solutions business unit Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio Provide support for evaluating, structuring and negotiating terms and credit agreements with clients Support the preparation of detailed credit analyses and required credit applications in accordance with internal policies and regulatory guidance, including the evaluation of company-specific, industry, and regulatory risks, company historical operating performance, projected operating performance and capital structure Utilize your strong financial modeling skills for both the credit application process and quarterly review presentations Provide support for the syndication strategy, including lender presentations and liaison with participant lenders, and participate in client and bank meetings as necessary Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues utilizing internal and external sources Provide oversight of facility closing procedures including both operations and documentation Policy and Transaction Responsibilities: Support the communication with the credit approval division including final hold level strategies to ensure alignment of risk strategy and policy Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level with regard to exposure on both a transaction and group level Ensure compliance with policy and regulatory requirements Skills & Experience: Ideally a Bachelor's degree in business, finance, economics or equivalent work experience; CFA or MBA is a plus 1-2 years of work experience in a financial institution, accounting firm, rating agency or equivalent credit risk related function analyzing corporate borrowers' risk and credit profiles - this is provided as a guidance only, please don't let it limit you, if you feel you have something to add to our team Knowledge of accounting and corporate finance principles Strong financial spreading and modeling skills Excellent verbal and communication skills including business writing, editing, and proofreading Strong time management and organizational skills Attention to detail is important Team player who is not afraid of rolling up their sleeves to deliver seamless execution Advanced user of Microsoft Word, Power Point, and Excel The typical base pay range for this role is between $100K - $110K depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below. MUFG Benefits Summary ( We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any. The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified. We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual's associates or relatives that is protected under applicable federal, state, or local law. At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them! Our Culture Principles Client Centric People Focused Listen Up. Speak Up. Innovate & Simplify Own & Execute

Created: 2024-10-29