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About the Role

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. We are seeking an Associate to be part of our growing Portfolio Management Group (PMG). You will handle Portfolio Management credit coverage for Digital Infrastructure clients in the Technology, Media & Telecom (TMT) sector. You will prepare detailed credit analyses as part of credit applications for new business as well as on-going reviews. You will support the senior Portfolio Manager in the assessment of risk factors associated with each credit leading to an appropriate risk rating. You will support on-going portfolio management of existing bank exposure as well as underwriting and due diligence for new transactions.

Responsibilities

Perform due diligence and financial analysis on new transactions and on-going reviews for the Digital Infrastructure loan portfolio.
Provide regular and organized communication to Portfolio Managers while coordinating between various stakeholders across the Bank to drive efficiencies within the Portfolio Management process.
Maintain a high level of awareness regarding macroeconomic trends that impact particular sectors within the TMT vertical by utilizing internal and external information/news sources.
Attend client and bank meetings when appropriate, more often telephonically.
Participate in ad hoc projects as assigned.
Support the prescreening of proposed transactions by identifying critical structural issues and risks and balancing institutional policy with business objectives.
Work on structured credit transactions (including securitizations, supply chain finance, FX, Equity Margin facilities and leasing transactions).
Support the Digital Infrastructure vertical through financial modeling of commercial real estate cash flows and property valuations.
Prepare and present select Quarterly Watch List credits to senior credit officers.
Support the Senior Credit Officer, communicate with Relationship Managers and Portfolio Managers to problem solve and ensure transaction requests are acceptable within the risk appetite of the firm.
Ensure compliance with internal policy and procedural requirements by understanding and adhering to USWB Operating Procedures, General Credit Policies for the Americas (GCP), and Procedures for Credit Ratings and Credit Rules.
Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level on both a transaction and group level.
Ensure compliance with policy and regulatory requirements, including timely completion of all assigned training courses.

Requirements

Minimum of 3 years of work experience within a financial institution accounting firm or rating agency analyzing corporate client's risk, credit profiles, cash flow projections and valuation with a focus on commercial real estate and/or digital infrastructure.
A positive ‘can-do’ attitude with motivation to collaborate and partner within PMG, Credit and Relationship Managers contributing to a fast-paced and growing team.
Strong financial spreading/modeling and analytical skills.
Proficiency in Microsoft Word, PowerPoint and Excel
Strong written, verbal and interpersonal communication skills with ability to work independently.
Experience utilizing AI tools to assist in core job functions.
Completion of a formal credit-training program at a bank preferred
Bachelor’s degree, in Finance, Accounting, Business or Economics (working towards a CFA a plus).

Skills

Financial spreading/modeling
Analytical skills
Microsoft Word
Microsoft PowerPoint
Microsoft Excel
Written communication
Verbal communication
Interpersonal communication
AI tools

Location

MUFG office or client sites

Work Type

Hybrid

Experience Level

Associate

Education Level

Bachelor’s degree in Finance, Accounting, Business or Economics
CFA (a plus)

Salary/Compensations

$130k-$155k base pay
Eligible for discretionary performance-based bonus and/or incentive compensation

Benefits

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
Paid vacation, sick days, and holidays

About the Company

Mitsubishi UFJ Financial Group (MUFG) is one of the world’s leading financial groups.
We are 150,000 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.
Our vision is 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.

Equal Opportunity

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.
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.