Credit Analyst - Underwriting & Portfolio Management - Power & Utilities

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 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.
The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. Were seeking a Credit Analyst to support the Portfolio Management team in our Power & Utilities vertical, which includes regulated electric and gas utilities, independent power producers, project developers and renewable energy holdings companies.
The Analyst will be a corporate finance professional, supporting investment grade & non-investment grade, leverage finance, and sponsor-based clients across the Power & Utilities vertical lending business. The position involves the critical functions of assessing risk factors associated with a credit and determining the appropriate rating based on established policies and guidelines. Responsibilities will include supporting the active credit management of a designated portfolio utilizing solid credit and analytical skills. Provide continuous oversight of portfolio names, monitoring for potential upgrading, downgrading & credit deterioration with the goal of maximizing net income and reducing credit costs.
Support the management of the Power & Utilities industry vertical corporate loan portfolio
Support preparation of detailed credit analyses and required credit application according to policy, including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure
Modeling skills required for both credit application process and quarterly credit watch presentations
Responsible for the coordination and communication of account information across various constituencies throughout the organization
Responsible for knowledge of country/risk factors on a macro level
Responsible for knowledge of the Power & Utilities industry and all current events in assigned portfolio utilizing internal and external sources
Oversight of covenants compliance database and facility closing due diligence, including documentation
Attend Relationship Manager customer meetings, when appropriate
Special projects, as assigned
Advanced Credit/Underwriting Solutions:
Work within deal team environment (with Global Relationship Management, Syndications & MUFG Securities) supporting Senior Portfolio Managers (PMs) in the development and analysis of financing structures/strategies to support/identify capital markets and corporate liability management opportunities
Prescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs
Understand and maintain base industry knowledge of industries represented in portfolio, including technical aspects, regulatory issues and unique credit product activity
Participate in client and bank meetings as necessary
Policy and Deal Advocacy:
Supporting the Senior PM, communicate and negotiate with credit division for transaction approval, including final hold level strategies to ensure alignment of risk strategy and policy
Ensure compliance with policy and regulatory requirements
A Bachelors degree, with an MBA, CPA, or CFA Level 1, 2 or 3 is preferred
Understanding of the power and utility sector, ESG trends or other related work experience is preferred
Solid credit & analytical background
Strong financial spreading/modeling skills
Completion of formal credit-training program at a money center bank is preferred
Proficient computer skills in Microsoft Word, Excel, and PowerPoint
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. We 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.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.