Portfolio Management Group - Credit Risk Professional - Associate

Associate, Power & Utilities Vertical Lending

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.

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

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.

Support Portfolio Management in the handling of credit coverage for corporate clients in our Power & Utilities vertical, which includes regulated electric and gas utilities, independent power producers, project developers, and renewable energy holdings companies.

The Associate will be a corporate finance professional, supporting investment grade & non-investment grade, leverage finance, and sponsor-based clients across the Power & Utilities 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, and credit deterioration with the goal of maximizing net income and reducing credit costs.

Responsibilities :

• Support the management of the Power & Utilities industry vertical corporate loan portfolio
• Perform due diligence and regularly scheduled evaluation of 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 :

Policy and Deal Advocacy :

Requirements :

The typical base pay range for this role is between $120-$150k 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.