Gcib – Portfolio Management

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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.

P&U Analyst Role

Overall Purpose of Job:

Support Portfolio Management in the handling of credit coverage for corporate clients in our Power & Utilities vertical, which includes regulated electric and gas utilities, independent power producers, project developers and renewable energy holdings companies.

The Analyst will be a corporate finance professional, supporting investment grade & non-investment grade, leverage finance, and sponsor-based clients across the Power & Utilities vertical lending business. The position involves the critical functions of assessing risk factors associated with a credit and determining the appropriate rating based on established policies and guidelines. Responsibilities will include supporting the active credit management of a designated portfolio utilizing solid credit and analytical skills. Provide continuous oversight of portfolio names, monitoring for potential upgrading, downgrading & credit deterioration with the goal of maximizing net income and reducing credit costs.

Responsibilities:  

• Support the management of the Power & Utilities industry vertical corporate loan portfolio
• Perform due diligence and regularly scheduled evaluation of 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 skills 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 the Power & Utilities industry 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 Relationship Manager customer meetings, when appropriate
• Special projects, as assigned

Advanced Credit/Underwriting Solutions:

• Work within deal team environment (with Global Relationship Management, Syndications & MUFG Securities) supporting Senior Portfolio Managers (PMs) in the development and analysis of financing structures/strategies to support/identify capital markets and corporate liability management opportunities
• Prescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs
• Understand and maintain base industry knowledge of industries represented in portfolio, including technical aspects, regulatory issues and unique credit product activity
• Participate in client and bank meetings as necessary

Policy and Deal Advocacy:

• Supporting the Senior PM, communicate and negotiate with credit division for transaction approval, 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

Requirements:

• A Bachelor degree, with an MBA, CPA, or CFA Level 1, 2 or 3 is preferred
• A minimum of 1 year of experience in a related role
• Understanding of the power and utility sector, ESG trends or other related work experience is preferred
• Solid credit & analytical background
• Strong financial spreading/modeling skills
• Completion of formal credit-training program at a money center bank is preferred
• Strong written, verbal and interpersonal skills
• Proficient computer skills in Microsoft Word, Excel, and PowerPoint
• Able to work independently and under pressure

The typical base pay range for this role is between $90-$110k depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain 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.

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.