Credit Analyst - Underwriting and Portfolio Management - Technology, Media, Telecom (TMT)

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

Job summary

MUFG Americas is seeking a Credit Risk Analyst to join its Portfolio Management Group. The role involves credit coverage for clients in the Technology, Media, Telecom and Sports sectors, requiring strong analytical skills and experience in credit analysis. This position offers a chance to make a meaningful impact while working in a collaborative environment.

Qualifications

• Minimum of 1 year of experience analyzing corporate client's risk and credit profiles.
• Completion of a formal credit-training program at a money center bank preferred.
• Experience analyzing corporate credit and financing transactions.

Responsibilities

• Perform due diligence on new transactions and evaluate existing loan portfolios.
• Assess risk factors and determine appropriate risk ratings.
• Support active credit management and new transaction underwriting.

Skills

Financial spreading/modeling

Analytical skills

Communication skills

Education

Bachelor’s degree in Finance, Accounting, Business or Economics

Tools

Microsoft Word

PowerPoint

Excel

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 120,000 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.

Job Summary:

We're seeking a Credit Risk Analyst who will be part of our growing Portfolio Management Group. You will handle credit coverage for clients in the Technology, Media, Telecom and Sports (TMTS) sector for non-investment grade public and privately owned corporate borrowers. You'll prepare detailed credit analyses and the required credit applications which include the evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance, and capital structure.

As an Analyst you'll assess risk factors associated with each credit and determine the appropriate risk ratings based on established policies and guidelines. You will support active credit management and new transaction underwriting utilizing solid credit and analytical skills, analyzing risks and mitigants, including monitoring credits for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank’s net income while minimizing credit costs.

Responsibilities:

• Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio.

• Coordinate and communicate account information across various constituencies.

• Responsible for building and maintaining knowledge of country/risk factors and all current events within the TMTS industry vertical in the assigned portfolio utilizing internal and external sources.

• Attend client and bank meetings when appropriate via phone, video or occasionally in-person.

• Participate in special projects as assigned.

Advanced Credit/Underwriting Solutions:

• Support the prescreening of proposed transactions to identify critical structural issues and risks, balancing institutional policy with business objectives.

• Work on structured credit transactions (including securitizations, supply chain finance, FX, equity margin facilities and leasing transactions).

• 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, 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 with regard to exposure on both a transaction and group level.

• Ensure compliance with policy and regulatory requirements, including timely completion of all assigned training courses.

Skills & Experience:

• Minimum of 1 year of work experience within a financial institution, accounting firm or rating agency analyzing corporate client's risk and credit profiles.

• Strong financial spreading/modeling and analytical skills.

• Experience analyzing corporate credit and financing transactions.

• Proficient 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 money center bank preferred

• Bachelor’s degree, in Finance, Accounting, Business or Economics (working towards a CFA is a plus).

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.