About the job
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.
Job Summary:
We’re seeking a Credit Risk Analyst who will be part of our growing Portfolio Management Group. You will handle credit coverage for clients in the General Industries (Consumer, Retail, Environmental Services) segment for non-investment grade public and privately owned corporate borrowers. You’ll prepare detailed credit analyses and the required credit applications which include the evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance, and capital structure.
As an Analyst you’ll assess risk factors associated with each credit and determine the appropriate risk ratings based on established policies and guidelines. You will support active credit management and new transaction underwriting utilizing solid credit and analytical skills, analyzing risks and mitigants, including monitoring credits for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank’s net income while minimizing credit costs.
Responsibilities:
- Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio.
- Coordinate and communicate account information across various constituencies throughout the organization.
- Responsible for knowledge of particular industries and all current events in assigned portfolio utilizing internal and external sources.
- Oversee covenants compliance database and facility closing due diligence, including documentation.
- Attend client meetings when appropriate.
- Participate in special projects as assigned.
Advanced Credit/Underwriting Solutions:
- Work within a deal team environment (with Global Relationship Managers, Credit Administration, Sponsor Coverage, and Capital Markets) to support the development and analysis of financing structures/strategies.
- Prescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs.
- Support credit analysis for structured credit transactions (derivatives transactions, receivable securitizations).
- Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues.
- Participate in client and bank meetings as necessary.
Policy and Deal Advocacy:
- 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 and Experience:
Ideally you would have:
- Bachelor’s degree, in Finance, Accounting, Business or Economics (CFA or MBA is a plus).
- 2 years of experience within a financial institution (analyzing corporate clients’ risk and credit profiles), accounting firm or rating agency.
- Strong financial spreading/modeling and analytical skills.
- Experience in analyzing corporate credit and financing transactions.
- Completed a formal credit-training program at a money center bank (preferred)
- Strong written, verbal and interpersonal skills.
- Proficiency in Microsoft Office (Word, Excel, PowerPoint).
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