Credit Associate Technology, Media & Telecom (TMT) Digital Infrastructure Real Estate Focus

Were looking for an Associate to join our growing Portfolio Management Group (PMG) focusing on credit coverage for Digital Infrastructure clients within the Technology Media & Telecom (TMT) sector. This includes both investment-grade and non-investment-grade public and private corporate borrowers as well as Commercial Real Estate borrowers who develop own and operate digital infrastructure.

Youll be responsible for preparing detailed credit analyses for new business opportunities and ongoing portfolio reviews. Your core tasks will include:

• Evaluating corporate regulatory and industry risks

• Analyzing historical performance

• Developing operating cash flow and valuation projections

• Assessing borrower capital structures

In this role 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. Youll also help manage existing bank exposures and participate in 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 banks 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 adhoc 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.

• 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.

• Understand and maintain knowledge of industries represented in portfolio including technical aspects and regulatory issues.

Policy and Deal Advocacy:

• Support the Senior Credit Officer(s) 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:

Ideally you would have:

• Minimum of 2 years of work experience within a financial institution accounting firm or rating agency analyzing corporate clients risk credit profiles cash flow projections and valuation with a focus on commercial real estate and/or digital infrastructure is a must.

• A positive can-do attitude with motivation to collaborate with and contribute 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.

• Completion of a formal credit-training program at a bank preferred

• Bachelors degree in Finance Accounting Business or Economics (working towards a CFA a plus).

Compensation & Benefits:

The typical base pay range for this role is $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