GCIB Associate, Asset Based Lending Portfolio Management Global Corporate Investment Bank

Do you want your voice heard and your actions to count

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG) one of the worlds leading financial groups. Across the globe were 150000 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 worlds most trusted financial group its 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.

Asset Based Finance Group (ABF)

MUFG Banks (MUBK) ABF group is one of the essential go-to-market products for MUBK in North America and is housed within MUBKs Global Corporate and Investment Banking division. It is an important financing tool for supporting clients needs. The ABF group delivers full services-based capabilities to MUBKs clients including origination underwriting and portfolio management syndication and agency qualification. The ABF team is active across a range of client business sectors throughout the U.S.

Overall Purpose of Job:

The Portfolio Management function within MUBKs ABF group is responsible for the oversight of a portfolio of asset based lending clients situated throughout the US evaluating the creditworthiness of the clients on an ongoing basis monitoring the collateral that supports all credit exposure and initiating or supporting revenue growth efforts.

Job Summary / Major Responsibilities:

• Monitoring borrower financial performance on an ongoing basis
• Prepare detailed credit analyses and required credit application according to policy including evaluation of loan purpose and structure repayment sources corporate regulatory and industry risk liquidity asset protection historical and projected operating performance and capital structure
• Evaluating monthly collateral information to insure that adequate collateral is available to cover outstanding obligations
• Recommending and implementing the appropriate course of action when borrower financial performance or collateral adequacy becomes an issue
• Performing the necessary due diligence to provide timely responses to requests for additional credit
• Ensuring that the banks collateral is regularly appraised field exams are conducted to evaluate the quality of the collateral and underlying collateral controls and that adjustments are made if any issues arise from those appraisals or exams
• Ensuring that the internal and regulatory risk ratings for borrowers remain accurate and recommending adjustments when a material change in the credit profile has become evident
• Closely monitoring troubled credits and participating in internal meetings to review performance and exposure strategy
• Contributing to the banks revenue growth goals by working closely with coverage RMs product partners and ABF origination staff to enhance MUFGs importance to the borrower either through cross sell efforts or pitch to lead presentations
• Periodic discussions with Agents if necessary to get borrower updates amend & extend requests and amendments
• Work with senior staff to coordinate loan proposals and loan underwriting including complex scenarios with high profile clients
• Will also assist with the preparation for various internal and external examinations and audits and all compliance and operational aspects of the business

Requirements:

• A Bachelors degree ideally with a business major. A CFA Level 1 2 or 3 or an MBA is a plus
• A minimum of 2 to 3 years of relevant corporate financial analysis experience; with specific experience in asset-based lending a plus
• A career track as a corporate finance professional with a credit and analytical background
• Some background with loan documentation is a plus
• Completion of a formal credit-training program at either a money center large national or super regional bank is a plus
• Strong written and interpersonal communication skills
• Financial modeling and analytical skills using MS Word Excel and PowerPoint
• Excellent analytic and quantitative skills

The typical base pay range for this role is between $135 - $155K and 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

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.

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.

We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds perspectives and experience of our workforce to create opportunities for our colleagues and our business. 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 individuals associates or relatives that is protected under applicable federal state or local law.