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 10 largest financial institutions according to S&P Global. 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.
Job Summary: We're seeking a Credit Vice President who will be part of our growing Portfolio Management Group. You will focus on underwriting and portfolio management for clients in the Technology, Media, Telecom & Sports (TMTS) industry vertical for non-investment grade public and privately owned corporate borrowers.As a Vice President, you will be responsible for active credit management of a designated portfolio utilizing solid credit and analytical skills, providing continuous oversight of portfolio names, monitoring for potential risk and regulatory rating changes and proactively identifying credit deterioration with the goal of maximizing net income and reducing credit costs.Active portfolio management of designated customers:
- Responsible for the management of a loan portfolio.
- Perform due diligence and regularly scheduled reviews of assigned loan portfolio, including covenants compliance.
- Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management.
- Prepare detailed credit analysis and credit applications, evaluate the borrower's industry/business/legal/financial risks and recommend extensions of credit to management.
- Coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions.
- Review loan documentation for newly assigned accounts in advance of closing to make sure that time frame for funding notices is acceptable and that Borrower and IE certificates contain appropriate representations.
- Responsible for building and maintaining in-depth knowledge of the Technology, Media, Telecom & Sports (TMTS) industry vertical and all current events utilizing internal and external sources.
- Maintain direct communication with assigned customers.
- Evaluate proposed contents of deliverable reports to make sure that information is sufficiently complete.
- Perform related duties and participate in special projects as assigned
Deal Support:
- Work with business lines/product groups to identify prospective transactions.
- Identify and mitigate structural risks in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures.
- Advise account officers on credit risk issues/terms and conditions to create the best possible deal with a goal of maximizing profit and minimizing credit cost.
- Directly and independently communicate with credit division and ensure it is provided with all related information/analysis pertinent to making a decision with little support from management.
Policy and Compliance:
- Ensure compliance with external regulatory/internal policy and procedural requirements.
- Influence improvement of internal process by participating in committees, project teams, or transaction discussions to enhance organization wide credit risk framework
Support and mentor junior analysts:
- Train and support junior analysts on OJT basis as assigned by MD or D/Team Leader.
- Guide junior analysts in completing complex assignments.
- Study, develop and enhance analytical skills of the team through close communication.
Skills & Experience:- A minimum of 5 years of experience in financial institutions or equivalent in credit and risk related functions analyzing corporate customers.
- Minimum of 3 years' experience in analyzing and conducting due diligence on large corporations with revenues over $1 billion
- Proven track record of developing strong working relationships with customers' senior management.
- In depth knowledge of general corporate credit analysis, credit and risk management
- Ability to build complex financial models to assess the clients' repayment ability.
- Minimum of 2 years' experience in analyzing/supporting and understanding structure risks in investment banking products including asset-based lending (securitization, leasing) and trade finance.
- Experience in underwriting M&A financings, and ability in conducting merger and valuation analysis.
- In-depth knowledge of loan documentation and structural risks in corporate finance.
- Strong written, verbal and interpersonal communication skills.
- BA required; CFA or MBA preferred.
The typical base pay range for this role is between $170K - $195K 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.MUFG Benefits SummaryWe 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.