MUFG US | Associate – Credit Underwriting and Portfolio Management – Financial Institutions Group (FIG)

Responsibilities

• We're seeking an Associate to join our growing Portfolio Management Group.
• The typical base pay range for this role is between $125k - $155k depending on level, job-related knowledge, skills, experience, and location.
• This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation.
• 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.
• They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.
• You will prepare and evaluate credit proposals and make recommendations to management on credit approval.
• You’ll be also monitoring the client financial, industry and credit trends regularly.
• 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.
• Participate in special projects as assigned.
• 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.
• Support credit analysis for structured credit transactions (derivatives transactions, receivable securitizations).
• Conduct site visits and participate in client and bank meetings.
• 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

• 3+ years of experience at a financial institution (analyzing corporate clients' risk and credit profiles), accounting firm or rating agency.
• Insurance companies including property casualty companies and life insurance with preferred experience in life insurance and side car credit terms negotiation.
• Solid experience in analyzing financial institution credits and conducting due diligence on such corporations.
• Ability to build complex financial models to assess the customers’ repayment ability.
• Experience in analyzing/supporting investment banking products including asset-based lending (securitization, leasing), NAV lending and structured insurance solutions, and understanding of structure risks inherent in such finance.
• Experience in underwriting M&A finance, and ability in conducting merger and valuation analysis.
• Strong written, verbal and interpersonal communication skills.
• The ability to manage multiple priorities.

MUFG US

MUFG US is an employer hiring in India.

Its finance, accounts, audit and tax openings in India are mostly in New York, Tampa, Los Angeles and Irving.