Structured Finance Associate

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 120,000 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.

With a vision 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.

The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.

Leasing & Asset Finance:

MUFG’s Leasing & Asset Finance (“LAF”) is a structuring group in MUFG’s Global Corporate & Investment Bank that delivers customized lease and secured debt solutions for financing clients’ capital investment to address CFOs’ and Treasurers’ unique corporate objectives and financial reporting strategies.  The team is comprised of professionals with various backgrounds and expertise (e.g., corporate finance, tax, accounting, engineering, etc.) to design and deliver bespoke value-added solutions to MUFG’s clients.

Job Summary:

The Associate of Leasing & Asset Finance will assist in the structuring and execution of innovative financing solutions for the MUFG’s clients. This role requires a blend of analytical, negotiation, and relationship management skills to develop customized transaction structures, prepare client presentations and term sheets, secure internal approvals, and oversee transactions through to post-closing portfolio management. The ideal candidate will have approximately 3-5 years of relevant experience, with a strong background in structured finance, credit analysis, and execution of financing transactions.

Responsibilities & Deliverables:  

Transaction Structuring and Innovation:

• Assist in the development and execution of innovative transaction structures tailored to meet the specific needs of corporate and sponsor clients.

• Leverage knowledge of market dynamics to craft solutions that align with client objectives and risk tolerance.

• Maintain awareness of evolving market trends and regulatory changes to proactively identify new product opportunities.

• Aid in the development of new financial products, focusing on the economic, accounting, and taxable income impact on both MUFG and our clients, building upon MUFG’s existing suite of debt, partnership, and lease structures that support the financing of physical assets

Client Engagement and Pitch Material Preparation:

• Prepare high-quality, insightful pitch materials and presentations for client meetings.

• Collaborate with relationship managers and product specialists to effectively communicate the bank’s structured solutions and competitive advantages.

• Conduct client research related to their financing needs and key performance indicators, industry trends, asset due diligence.

• Attend client meetings to present solutions, address queries, and foster strong client relationships.

Transaction Execution and Documentation:

• Lead the end-to-end execution of transactions, including preparation of detailed term sheets, negotiation of credit agreements, and coordination of transaction documentation.

• Perform financial analysis determining the economic, accounting, and tax results of a wide range of large ticket transactions, structures, and syndicated arrangements.

• Work closely with internal legal, compliance, and risk teams to ensure all transactions comply with bank policies and regulatory requirements.

• Serve as the primary point of contact for clients throughout the transaction process, ensuring clear and timely communication.

Internal Approvals and Stakeholder Management:

• Drive the internal business and credit approval process by preparing credit applications and transaction memos for senior management.

• Collaborate with credit, legal, risk, and compliance teams to address concerns and secure necessary approvals.

• Ensure that all transaction components align with the bank’s risk appetite and strategic goals.

Post-Closing Transaction Management:

• Oversee and manage transactions post-closing, including monitoring of ongoing compliance with credit terms.

• Proactively manage any modifications or restructuring requests in collaboration with clients and internal stakeholders.

• Provide support for internal reporting requirements related to the transaction.

Skills & Experience:

1. Basic qualifications:

• An undergraduate degree – required

• Approximately 3-5 years of experience in structured finance, credit solutions, or a similar role in the financial services industry

• Strong critical thinking abilities, attention to detail, business writing and oral communication skills

• Ability to work in a demanding environment

• Strong analytical abilities and desire to learn

• Ability to handle multiple assignments simultaneously

• Ability to work independently and collaboratively across functional teams

• Proficiency in Microsoft products including Word, Excel, PowerPoint and Outlook

• Well-organized, self-starter and capable of working with minimal supervision

• Strong interpersonal skills, flexibility and ability to work well in a team environment

2. Preferred Qualifications:

• Advanced degree (MS, MBA, CPA, CFA or JD)

• Familiarity with US GAAP and/or IFRS accounting standards

• Experience with financial analysis, reviewing loan/lease agreements & term sheets, and executing/syndicating Bank market products

• Knowledge of credit agreement negotiation, legal documentation, and risk management.

Compensation and Benefits:

The typical base pay range for this role is between $150K - $180K depending on job-related knowledge, skills, experience and location with eligibility for discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes 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, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below.

MUFG Benefits Summary

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 (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). 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.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 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.