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. The Analyst will support the Portfolio Management Group within Energy Banking Finance in the ongoing credit risk management, monitoring, and administration of a portfolio of corporate banking relationships. The role is responsible for performing credit analysis and due diligence, preparing credit and rating applications, monitoring portfolio risks, and ensuring adherence to applicable internal policies, procedures, and regulatory requirements. In this role you will perform both traditional corporate credit and industry-specific analysis. You will work with large and small public companies and sponsor-backed companies, and reserve-based lending clients, in addition to other corporate energy borrowers. It is a very analytical role, but you are also continually developing judgment about what matters to a credit. Responsibilities • Credit Analysis and Risk Assessment: Analyze the credit risk of assigned portfolio companies, evaluate financial condition and debt repayment capacity, determine appropriate credit ratings, and provide timely rating recommendations to management. • Due Diligence and Ongoing Monitoring: Conduct comprehensive due diligence, scheduled credit reviews, and detailed financial and credit analysis to maintain an accurate and current assessment of assigned borrowers. • Credit Applications and Approvals: Prepare high-quality credit applications and credit rating applications and coordinate with Relationship Managers, senior credit analysts, and relevant credit divisions to facilitate the approval process. • Adverse Credit Monitoring: Prepare credit review reports for adversely rated credits, providing management and relevant credit divisions with timely information regarding borrower performance, financial condition, and other significant developments. • Portfolio and Credit Risk Management: Perform credit control and portfolio management responsibilities as assigned by management, including participation in bank meetings and customer calls, preparation of call memoranda, and assistance with federal, state, and internal audits. • Regulatory and Policy Compliance: Support asset evaluation and assessment processes and help ensure compliance with applicable external regulatory requirements and internal Bank policies, procedures, and guidelines. • Account and Industry Analysis: Gather, review, and analyze relevant account information from available sources and coordinate with related internal divisions to develop well-supported assessments of borrowers' financial condition and ability to meet their debt obligations. • Industry Expertise: Develop and maintain knowledge of relevant industries and market developments to strengthen the quality of credit analysis and portfolio risk assessment. • Transaction and Account Coordination: Proactively coordinate with execution teams and the Loan Transaction Unit to support the appropriate booking and administration of newly assigned accounts. • Team and Management Support: Support the Managing Director/Department Head and Associate/Team Leader with broader credit risk management activities, including on-the-job guidance for junior analysts, coordination with relevant credit and policy divisions, and assistance with internal and external examinations. • Credit Policy Knowledge: Develop and maintain a thorough understanding of the Bank's credit policies, procedures, guidelines, and applicable regulatory requirements. Qualifications • Bachelor's degree or equivalent professional experience in finance, accounting, economics, business, or related discipline. • Approximately 2-3+ years of relevant experience in corporate credit analysis, credit risk management, banking, or a comparable financial services function. • Strong knowledge of corporate credit analysis and credit risk management. • Strong analytical, financial analysis, problem-solving, and organizational skills. • Strong written and verbal communication skills. • Ability to work effectively both independently and collaboratively in a deadline-driven environment. • Proficiency with Microsoft Office applications, particularly Excel and Word. The typical base pay range for this role is between $100K to $110K depending on job-related knowledge, skills, experience and location. This role will 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.