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About the Role
The Portfolio Management function within MUFG’s Asset Based Finance group is responsible for overseeing a portfolio of asset based lending clients throughout the US. This includes evaluating client creditworthiness, monitoring collateral, and supporting revenue growth efforts. The client base spans multiple industries and customer types, from large public companies to middle-market companies with complex capital structures.
Responsibilities
- Monitor borrower financial performance on an ongoing basis.
- Evaluate collateral performance at the borrowing base component level to ensure adequate collateral coverage for outstanding obligations.
- Assess historical and projected liquidity and excess availability levels.
- Ensure regular appraisal of bank collateral and conduct field exams to evaluate collateral quality and controls, making adjustments as needed.
- Prepare detailed written credit analyses and credit applications, evaluating loan purpose, structure, liquidity, asset protection, repayment sources, risks, performance, and capital structure.
- Contribute to revenue and return growth goals by collaborating with portfolio officers, coverage RMs, product partners, and origination staff to enhance MUFG's client relationships through cross-selling and pitch presentations.
- Monitor troubled credits, recommend and implement actions for performance or collateral issues, participate in internal meetings, and address bankruptcy and collateral liquidation matters.
- Manage bank groups as agent, addressing client needs, structuring solutions, negotiating terms, and managing group communication.
- Perform due diligence to provide timely responses to requests for additional credit.
- Ensure accuracy of internal and regulatory risk ratings, recommending adjustments for material credit profile changes.
- Conduct periodic discussions with Agents to obtain borrower updates and address amend & extend requests.
- Assist with preparation for internal and external examinations, audits, and compliance and operational aspects of the business.
Requirements
- A Bachelor’s degree, ideally with a business major.
- A minimum of 1 year of relevant corporate financial analysis experience.
- Specific experience in asset-based lending is a plus.
- A career track as a corporate finance professional with a credit and analytical background.
- Some background with loan documentation is a plus.
- Completion of a formal credit-training program at a money center, large national, or super regional bank is a plus.
- Strong written and interpersonal communication skills.
- Financial modeling and analytical skills using MS Word, Excel, and PowerPoint.
- Excellent analytic and quantitative skills.
Skills
- Financial modeling
- Analytical skills
- Quantitative skills
- Written communication
- Interpersonal communication
Location
- US
Work Type
- Hybrid
Experience Level
- 1+ year
Education Level
- Bachelor's degree
- CFA Level 1, 2 or 3 (plus)
- MBA (plus)
Salary/Compensations
- $95K-$125K
Benefits
- Discretionary performance-based bonus and/or incentive compensation
- 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 with 150,000 colleagues globally.
- MUFG strives to make 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.
- 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.
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.
- Consideration for employment includes individuals with criminal histories in a manner consistent with applicable laws, provided they are not subject to statutory disqualification and it does not conflict with FINRA and NFA background screening requirements.