2027 Corporate, Investment Banking and Markets (CIB&M) Full-Time Analyst Program - Restaurant & Hospitality FinancePrimary hiring location: San Diego
Secondary hiring locations: Atlanta/ Boston
About our ProgramAt MUFG, we strive to create an inclusive environment, where everyone's perspective is valued. We are committed to diversity and inclusion in our workforce - all students are welcome to apply.
Our Corporate, Investment Banking & Markets (CIB&M) Full-Time Analyst Program is more than just a fascinating insight into MUFG: it is an opportunity to build the foundation for a long, rewarding career!
The full-time program begins in June and provides recent graduates with hands-on experience and business exposure in the world of global finance. We will place you with a specific group, which enables you to concentrate and quickly develop valuable skills and knowledge that are essential to becoming an integral part of the team.
You will work alongside MUFG professionals at all levels who will serve as your instructors and mentors. Our full-time analysts will support deals and client-focused projects by conducting financial analysis, modeling and research, and assisting with pitch books and presentations. Our program is designed to help you grasp what it's like to work within a global financial organization and decide where you want to take your career.
In our open and inclusive environment, senior colleagues will know who you are and will see how your work impacts our high-performance culture. As a full-time analyst, you will gain a comprehensive understanding of global banking/finance and an insider's perspective that you'll only acquire from serving multinational clients with complex financial needs.
About Restaurant & Hospitality FinanceRestaurant & Hospitality Finance (RHF) is a rapidly expanding initiative within MUFG's Global Corporate & Investment Banking Group. The team finances larger restaurant and fitness sector Franchisors, Operating Companies and Franchisees, with particular focus on Quick Service, Fast Casual and High-Value Low-Price national brands. In addition, the group provides real estate financing to mid-size hotel franchisees operating under large well-known national brands.
Analyst will be a corporate finance professional, supporting Restaurant & Hospitality Finance including non-investment grade transaction origination and credit analysis efforts. Critical functions include assessing risk factors associated with each credit and determining the appropriate risk ratings based on established policies and guidelines. Responsibilities will include active credit management and monitoring for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank's net income while minimizing credit costs.
Responsibilities: - Support the credit analysis and management of the RHF business unit
- Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio
- Provide support for evaluating, structuring and negotiating terms and credit agreements with Sponsor clients
- Support the preparation of detailed credit analyses and required credit applications in accordance with internal policies and regulatory guidance, including the evaluation of company-specific, industry, and regulatory risks; and company historical operating performance, projected operating performance and capital structure.
- Modeling skills required for both the credit application process and quarterly review presentations.
- Provide support for coverage team's idea generation and pitch materials for Sponsor clients and potential clients and attend client meetings as required
- Provide support for the syndication strategy, including lender presentations and liaison with participant lenders, including banks and private credit firms
- Responsible for the coordination and communication of account information across various constituencies throughout the organization.
- Industry coverage responsibilities including the need to understand current relevant industry conditions in assigned portfolio utilizing internal and external sources.
- Oversight of facility closing procedures including both operations and documentation.
- Preparing call reports for review and comment by the GRM when the Analyst attends the client meetings
- Assisting with periodic senior management reporting such as quarterly business updates, financial reporting, annual account planning, etc.
- Ownership and management of processes required for compliance and execution, including profitability analysis, committee approvals, legal due diligence, KYC, and closing checklists
Advanced Client Solutions:- Work within deal team environment (with Industry Coverage, Capital Markets, and Syndications) supporting the development and analysis of financing structures/strategies, including leveraged capital markets and other product areas.
- Support credit analysis for structured credit transactions (derivatives transactions, margin lending, receivable securitizations, supply chain finance).
- Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues.
- Participate in client and bank meetings as necessary.
Policy and Transaction Responsibilities:- 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.
Application Timeline- Application opens on 10/05/26 and we encourage you to apply early!
- Please note that if you have not received a response from MUFG by 11/13/2026 to invite for a first-round interview, your application has not been selected to move forward.
Qualifications- GPA of 3.3 or above is preferred, along with recommended course work in finance, accounting or economics
- Bachelor's degree, CFA candidacy is a plus
- Undergraduate student graduating in Spring 2027
- Work experience in financial institutions or equivalent credit risk related function analyzing corporate customers
- Knowledge of accounting and corporate finance
- Strong written, verbal, and interpersonal skills
- Strong financial modeling skills
- Able to work independently and in teams under pressure
- Technologically savvy and proficient in Microsoft Office (Excel, PowerPoint, Word)
- You work well independently as well as in teams, and collaborate with groups across the organization
- Applicants must be authorized to work in the United States on a permanent basis
Compensation & Benefits:The typical base pay range for this role is between $100k - $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.
MUFG Benefits Summary
