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Credit Analyst
Mitsubishi UFJ Financial Group
San Francisco, CA, United States
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Description
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world with total assets of over $2.4 trillion (as ranked by SNL Financial, April 2016) and 140,000 colleagues in nearly 50 countries. In the U.S., we’re 13,000 strong, working together to positively impact every customer, organization, and community we serve. We achieve this by delivering on our values, putting people first, fostering long-term relationships built on honesty and mutual understanding, and inspiring the best in each other. This is all part of our inclusive, high-performing culture supported by Total Rewards that include our cash balance pension plan. Join a team that’s working to fulfill its vision to be the world’s most trusted financial group.
Overall Purpose of Job:
Support Credit Administration for the Wholesale Bank (CDA) and handle credit coverage for clients in the General Industries (Tech/Media/Telecom, Financial Institutions) segment.
Responsibilities:
• Support the credit management of a segment of a corporate loan portfolio.
• Perform due diligence and regularly scheduled evaluation of a corporate loan portfolio.
• Support preparation of detailed credit analyses and required credit application according to policy including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure.
• Modeling skill required for both credit application process and Quarterly Credit Watch presentations.
• Responsible for the coordination and communication of account information across various constituencies throughout the organization.
• Responsible for knowledge of country/risk factors on a macro level.
• Responsible for knowledge of particular industries and all current events in assigned portfolio utilizing internal and external sources.
• Oversight of covenants compliance database and facility closing due diligence, including documentation.
• Attend customer and bank meetings when appropriate.
• Special projects as assigned.
Advanced Credit/Underwriting Solutions:
• Prescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business objectives.
• Work on structured credit transactions (including Financial Solution opportunities, securitizations, supply chain finance and leasing transactions.
• Understand and maintain base industry knowledge of industries represented in portfolio, including technical aspects, regulatory issues and unique credit product activity.
Policy and Deal Advocacy:
• Assist Senior Credit Officers to and influence policy development by participating in committees, project teams, or transaction discussions.
• Supporting the Senior Credit Officer, communicate with Relationship Managers and Portfolio Managers to resolve issues to ensure transaction requests are acceptable within the risk appetite of the firm.
• Evaluate and establish or confirm appropriate ratings for transactions and advise on appropriate exposure level in the context of guidelines for transaction and group level exposure.
• Ensure compliance with policy and regulatory requirements.
• Ensure compliance with internal policy and procedural requirements by understanding and adhering to USWB Operating Procedures, General Credit Policies for the Americas (GCP), Procedures for Credit Ratings and Credit Rules for BTMU Overseas Offices.
Qualifications
• Bachelor's degree or equivalent work experience required, work towards a CFA is an asset.
• Minimum of 1 year of work experience within a financial institution (analyzing corporate client's risk and credit profiles), accounting firm or rating agency required.
• Strong financial modeling and analytical skills a must.
• Previous experience analyzing corporate credit and financing transactions is required.
• Experience with leveraged finance transactions is a plus.
• Completion of formal credit-training program at a money center bank is preferred.
• Good computer skills in Microsoft Word, PowerPoint and Excel.
• Verbal and written communication skills appropriate for a professional environment.
• Ability to work independently and under pressure.
The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.
We are proud to be an Equal Opportunity / Affirmative Action 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 in employment decisions on the basis of any protected category.
A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it's the bank's policy to only inquire into a candidate's criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.