Impress employers and recruiters.
Choose from hundreds of resume examples.

Target Resume Now

Tailor your resume to this Associate, Credit Underwriting and Portfolio Management - Middle Market Canada role.

Rezi rewrites your resume against MUFG's job description. Free.

Resume score gauge reading 58 out of 100

Don't guess if your resume is good enough.

See how it scores against the Associate, Credit Underwriting and Portfolio Management - Middle Market Canada posting at MUFG — free, in seconds.

About the Role

We are seeking a Credit Risk Associate to support our Portfolio Management Group in providing credit coverage for Middle Market clients in Canada. This role involves preparing detailed credit analyses, evaluating corporate, regulatory, and industry risks, and assessing performance to determine appropriate risk ratings. You will support active credit management and new transaction underwriting by analyzing risks and mitigants, monitoring credits, and aiming to maximize net income while minimizing credit costs.

Responsibilities

Perform due diligence on new transactions and regularly evaluate the existing loan portfolio.
Coordinate and communicate account information across various internal constituencies.
Maintain knowledge of assigned industries and current events using internal and external sources.
Oversee the covenants compliance database and facility closing due diligence, including documentation.
Attend client meetings as appropriate.
Participate in special projects.

Requirements

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.
Work within a deal team environment 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.
Conduct site visits and participate in client and bank meetings as necessary.
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.
Bachelor's degree required; degree in Finance, Accounting, Economics, or related field preferred.
2-4 years of experience in commercial banking, corporate banking, private credit, credit risk management, or related financial services roles.
Foundational understanding of corporate finance, accounting, financial statements, cash flow analysis, and credit risk fundamentals.
Strong quantitative, analytical, and problem-solving skills with high attention to detail.
Experience with three-statement financial modeling, valuation, and credit analysis.
Ability to interpret business performance, industry trends, and transaction structures with guidance from senior team members.
Strong written and verbal communication skills, including the ability to summarize analysis clearly and concisely.
Ability to work collaboratively, manage multiple priorities, meet deadlines, and respond effectively in a fast-paced environment.
Completion of a formal credit training program is preferred.

Skills

Corporate finance
Accounting
Financial statements analysis
Cash flow analysis
Credit risk fundamentals
Quantitative analysis
Analytical skills
Problem-solving
Attention to detail
Three-statement financial modeling
Valuation
Credit analysis
Written communication
Verbal communication

Location

Canada

Work Type

Full-time

Experience Level

2-4 years

Education Level

Bachelor's degree

About the Company

Mitsubishi UFJ Financial Group (MUFG) is one of the world’s leading financial groups with 150,000 colleagues globally.
MUFG is committed to making a difference for every client, organization, and community served.
The company stands for its values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
MUFG's vision is to be the world’s most trusted financial group.
It is part of MUFG's culture to put people first, listen to new and diverse ideas, and collaborate toward greater innovation, speed, and agility.
MUFG invests in talent, technologies, and tools that empower employees to own their careers.
The opportunity is with either MUFG Bank, Ltd., Canada Branch (“MUFG Bank Canada”) or MUFG Securities (Canada), Ltd. (“MUFG Securities Canada”).

Equal Opportunity

Each of MUFG Bank Canada and MUFG Securities Canada is an equal opportunity employer.
As a federally regulated entity, MUFG Bank Canada is required to comply with applicable laws which prohibit discrimination based on protected grounds and which require accommodation to individuals in accordance with the requirements outlined in the Canadian Human Rights Act and the Canada Labour Code.
As a provincially regulated entity, MUFG Securities Canada is required to comply with applicable laws which prohibit discrimination based on protected grounds and which require accommodation to individuals in accordance with the requirements outlined in the Human Rights Code (Ontario) and the Employment Standards Act (Ontario).