Job Summary:We're seeking an Associate to be part of our growing Portfolio Management Group (PMG).
You will handle Portfolio Management credit coverage for Digital Infrastructure clients in the Technology, Media & Telecom (TMT) sector for investment grade and non-investment grade public and privately owned corporate borrowers. Portfolio coverage will include Commercial Real Estate Borrowers that develop, own and operate Digital Infrastructure. You will prepare detailed credit analyses as part of credit applications for new business as well as on-going reviews. Core responsibilities will include evaluating corporate, regulatory and industry risk, analyzing historical operating performance, developing operating cash flow and valuation projections, and assessing borrower capital structures.
As an Associate, you will support the senior Portfolio Manager in the assessment of risk factors associated with each credit leading to an appropriate risk rating based on established policies and guidelines. You will support on-going portfolio management of existing bank exposure as well as underwriting and due diligence for new transactions. Primary responsibilities include analyzing risks and mitigants, including monitoring credits for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank's net income while minimizing credit costs.
Responsibilities:- Perform due diligence and financial analysis on new transactions and on-going reviews for the Digital Infrastructure loan portfolio.
- Provide regular and organized communication to Portfolio Managers while coordinating between various stakeholders across the Bank to drive efficiencies within the Portfolio Management process.
- Maintain a high level of awareness regarding macroeconomic trends that impact particular sectors within the TMT vertical by utilizing internal and external information/news sources.
- Attend client and bank meetings when appropriate, more often telephonically.
- Participate in ad hoc projects as assigned.
Advanced Credit/Underwriting Solutions:- Support the prescreening of proposed transactions by identifying critical structural issues and risks and balancing institutional policy with business objectives.
- Work on structured credit transactions (including securitizations, supply chain finance, FX, Equity Margin facilities and leasing transactions).
- Support the Digital Infrastructure vertical through financial modeling of commercial real estate cash flows and property valuations.
- Prepare and present select Quarterly Watch List credits to senior credit officers.
Policy and Deal Advocacy:- Support the Senior Credit Officer, communicate with Relationship Managers and Portfolio Managers to problem solve and ensure transaction requests are acceptable within the risk appetite of the firm.
- Ensure compliance with internal policy and procedural requirements by understanding and adhering to USWB Operating Procedures, General Credit Policies for the Americas (GCP), and Procedures for Credit Ratings and Credit Rules.
- Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level on both a transaction and group level.
- Ensure compliance with policy and regulatory requirements, including timely completion of all assigned training courses.
Skills & Experience:- Minimum of 3 years of work experience within a financial institution accounting firm or rating agency analyzing corporate client's risk, credit profiles, cash flow projections and valuation with a focus on commercial real estate and/or digital infrastructure.
- A positive 'can-do' attitude with motivation to collaborate and partner within PMG, Credit and Relationship Managers contributing to a fast-paced and growing team.
- Strong financial spreading/modeling and analytical skills.
- Proficiency in Microsoft Word, PowerPoint and Excel
- Strong written, verbal and interpersonal communication skills with ability to work independently.
- Experience utilizing AI tools to assist in core job functions.
- Completion of a formal credit-training program at a bank preferred
- Bachelor's degree, in Finance, Accounting, Business or Economics (working towards a CFA a plus).
Compensation & Benefits:The typical base pay range for this role is between $130k-$155k 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
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.
