Analyst, Portfolio Management Group - Diversified Industrials and Metals/Mining

MUFG Americas; Toronto; On-site; CAD 70,000 - 90,000; Full time

Job summary

A leading financial institution in Toronto is seeking a corporate finance professional to manage a commercial loan portfolio. The role involves assessing credit risks, performing due diligence, and preparing credit analyses. Ideal candidates will have 1-3 years of experience in corporate credit, strong analytical skills, and a Bachelor's degree in Finance. This position offers the opportunity to work independently and make impactful decisions in an innovative environment.

Qualifications

• 1-3 years of experience in corporate credit or portfolio management.
• Completion of a formal credit-training program preferred.
• Ability to work independently under pressure.

Responsibilities

• Support management of a commercial loan portfolio.
• Perform due diligence and evaluations of the loan portfolio.
• Prepare detailed credit analyses and credit applications.

Skills

Portfolio management

Credit analysis

Strong written communication

Financial modeling

Analytical skills

Education

Bachelor’s degree in Finance

CFA certification

Job description

Do you want your voice heard and your actions to count?

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 incumbent will be a corporate finance professional, supporting corporate coverage across an industry vertical lending business. A critical function of the role is to assess risk factors associated with a credit profile to determine an appropriate risk rating and credit hold level based on established policies and guidelines. Responsibilities will include, without limitation, supporting the active credit management of a designated client portfolio, utilizing sound analytical and credit validation skills. The incumbent will provide continuous oversight of designated client portfolio names, monitoring for changes in the respective credit profiles (i.e. potential upgrading, downgrading, and credit deterioration) with the goal of maximizing net income and reducing associated credit costs.

Responsibilities:

• Support the management of a commercial loan portfolio within a segment of an industry vertical
• Perform due diligence and regularly scheduled evaluations of their assigned loan portfolio, which is subject to change relative to the client portfolio
• Support the preparation of detailed credit analyses and required credit applications in accordance with and pursuant to policy, including the evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure
• Ensure timely coordination and communication of account information across various constituencies throughout the organization
• Maintain a thorough understanding of macro-level country/risk factors
• Maintain current knowledge of relevant industries, including all current events pertaining to an assigned portfolio utilizing internal and external sources
• For assigned accounts, provide oversight of covenant compliance, facility closing due diligence, legal documentation and ongoing monitoring of credit conditions, if any
• Attend RM customer meetings as appropriate
• Special projects as assigned

Advanced Credit/Underwriting Solutions:

• Work within a deal team environment supporting Senior Portfolio Managers in the development and analysis of financing structures/strategies to support/identify LBO, M&A and Corporate re-capitalization opportunities
• Pre-screen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs
• Work on structured credit transactions (including Financial Solution opportunities, securitizations, supply chain, specialized leasing transactions, and up-tier proposals)
• Understand and maintain base industry knowledge of industries represented in the portfolio, including technical aspects, regulatory issues and unique credit product activity
• Participate in client and bank meetings as necessary

Policy and Deal Advocacy:

• Support Senior Portfolio Managers in communicating and/or negotiating with CDA for transaction approval, including final hold level strategies to ensure alignment of risk strategy and policy
• Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure levels at both the transaction and group level
• Ensure compliance with policy and regulatory requirements

Skills and Experience:

• 1-3 years of substantive portfolio management, corporate credit, and/or other similar experience with an emphasis on credit and analytical experience
• Completion of a formal credit-training program at a money center bank is preferred
• Bachelor’s degree in Finance, Mathematics, or related discipline CFA is an asset
• Able to work independently and under pressure
• Strong written, verbal and interpersonal skills
• Strong analytical, financial, and balanced decision-making skills
• Advanced financial modeling skills are required, including those required for credit applications and Quarterly Credit Watch presentations

The job description and related application pertains to an opportunity with either MUFG Bank, Ltd., Canada Branch (“MUFG Bank Canada”) or MUFG Securities (Canada), Ltd. (“MUFG Securities Canada”). The job description relates to the general nature, scope, quantity and quality of work contemplated for the position. Other duties and responsibilities not specifically described may be assigned from time to time, consistent with knowledge, skills and abilities of the incumbent. The receipt of an application by either MUFG Bank Canada or MUFG Securities Canada, as applicable, does not imply or guarantee employment. Each of MUFG Bank Canada and MUFG Securities Canada is an equal opportunity employer. • As a federally regulated entity, MUFG Bank Canada is required to comply with applicable laws which prohibit discrimination based on protected grounds and which require accommodation to individuals in accordance with the requirements outlined in the Canadian Human Rights Act and the Canada Labour Code. Where MUFG Bank Canada obtains information relating to protected grounds under the Canadian Human Rights Act as part of the application process, it does so to monitor and otherwise evaluate its own compliance with such legislation and associated regulatory requirements; MUFG Bank Canada does not use such information for decision making purposes relating to the position contemplated in this application. • As a provincially regulated entity, MUFG Securities Canada is required to comply with applicable laws which prohibit discrimination based on protected grounds and which require accommodation to individuals in accordance with the requirements outlined in the Human Rights Code (Ontario) and the Employment Standards Act (Ontario). Where MUFG Securities Canada obtains information relating to protected grounds under the Human Rights Code (Ontario) as part of the application process, it does so to monitor and otherwise evaluate its own compliance with such legislation and associated regulatory requirements; MUFG Securities Canada does not use such information for decision making purposes relating to the position contemplated in this application.