Secured Financing & Solutions Associate

MUFG Bank, Ltd.$150K — $170K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's Degree in Finance, Economics, Mathematics, Computer Science, or Engineering preferred.
  • 2-3 years of experience in complex financing solutions focused on private credit.
  • Proven expertise in evaluating direct lending opportunities and building financial models.
  • Experience in financing fixed income products, specifically in structured credit and leveraged loans.
  • Demonstrated ability to manage risk effectively.

Responsibilities

  • Analyze and evaluate structured finance opportunities and collateral quality.
  • Conduct due diligence and quantitative analysis for new transactions.
  • Assess credit quality and value of portfolio assets to inform lending decisions.
  • Prepare detailed credit memos summarizing risk assessments from underwriting.
  • Manage compliance and internal approval processes for transactions.
  • Facilitate transaction documentation with legal counsel and internal teams.
  • Support origination efforts by collaborating with relationship and coverage teams.

Benefits

  • Comprehensive health and wellness benefits.
  • Retirement plans and educational assistance.
  • Income replacement for qualified employees with disabilities.
  • Paid maternity and parental bonding leave.
  • Paid vacation, sick days, and holidays.
Full Job Description
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. Position: Associate Roles & Responsibilities: • Analyze and evaluate structured finance opportunities, including the assessment of facility structures, collateral quality, and key financing terms, such as structural protections, asset eligibility criteria, advance rates, concentration limits, and portfolio diversification requirements. • Conduct detailed due diligence and quantitative analysis for new transactions, including cash flow modeling, portfolio composition and diversification analysis, and stress-testing of collateral performance and facility metrics • Assess the credit quality and underlying value of portfolio assets (primarily corporate loans, but also infrastructure and asset-based loans) to support advance rate and valuation determinations by reviewing key credit metrics, financial performance, and collateral characteristics detailed in borrowing base files, investment memos, credit agreements, valuation reports, and other relevant underwriting materials • Prepare detailed credit memos and documentation summarizing transaction details and risk assessment analyses conducted during underwriting • Manage internal approval processes required for compliance and execution, including committee approvals, KYC, legal due diligence, and closing checklists • Facilitate transaction documentation in coordination with internal and external counsel • Support origination efforts by working with a diverse group of relationship and coverage teams to meet client needs and objectives • Contribute to the ongoing monitoring and risk management of the SAF book including collateral and liquidity management as well as the regular review of borrowing base files, underlying asset performance, and cross transaction performance • Work with the Portfolio Management Group to support transactions from origination and diligence through to closing and ongoing monitoring by applying in-depth knowledge of the private credit market, credit analysis, and facility structures • Track the latest developments and market trends in the corporate credit space (both public and private) and provide periodic updates • Facilitate the education of other Global Structured Solutions staff on fundamentals of corporate credit analysis and valuation, including training of new hires and junior staff • Leverage the use of AI, as permitted by the policies of MUFG, to increase efficiency of internal processes Requirements: • Bachelors Degree with a focus in Finance, Economics, Mathematics, Computer Science or Engineering, preferred • Aminimum of 2-3 years of related work experience of working on complex financing solutions with a focus on private credit • Expertise in evaluating direct lending opportunities, construction of financial models and writing investment memos • Experience and track record in financing fixed income products. • Expertise in fixed income instruments, particularly structured credit, leverage loans and middle market loans • Experience managing risk General skills & experience: • Excellent communication skills • Results driven and a strong sense of ownership & accountability • Strong decision making skills, the ability to demonstrate sound judgment • A structured and logical approach to work • Strong problem solving skills • Excellent interpersonal communication and analytical skills The typical base pay range for this role is between $150-170K 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. 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.

About MUFG Bank, Ltd.

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There has never been a better time to join the global team at MUFG Bank, Ltd., a premier institution recognized for its leadership in the financial sector. MUFG Bank, Ltd. offers a plethora of job opportunities that cater to a variety of skills and interests, all while fostering professional growth and innovation.

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Join MUFG Bank, Ltd.'s distinguished team to assist some of the most sophisticated clients in navigating their financial landscapes. At MUFG Bank, Ltd., team members lead from a unique position in the marketplace, at the crossroads of financial expertise, industry knowledge, and digital innovation. Engage with a global team of business and financial advisors to help clients master their economic strategies and challenges. Collaborate with the largest group of finance professionals in the industry – a network that spans across continents offering unmatched opportunities for networking and professional development.

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