Portfolio Management Credit Risk Associate - Technology, Media, Telecom

MUFG Americas; Toronto; On-site; CAD 65,000 - 95,000; Full time

Job summary

An exciting opportunity awaits as a Credit Risk Associate in a forward-thinking financial group. You will play a crucial role in assessing credit risks for clients in the Technology, Media, and Telecom sectors, preparing detailed analyses and applications, and ensuring compliance with regulatory standards. This position offers a chance to utilize your analytical skills and financial knowledge while contributing to the bank's success. Join a collaborative environment that values innovation and integrity, where your work will have a meaningful impact on clients and communities alike. If you are passionate about finance and eager to make a difference, this role is for you.

Qualifications

• 2-5 years of experience in a financial institution or accounting firm.
• Strong financial modeling and analytical skills are essential.

Responsibilities

• Conduct ongoing credit monitoring and prepare detailed credit analyses.
• Evaluate risks and maintain compliance with policies and regulations.

Skills

Financial Spreading

Analytical Skills

Credit Analysis

Communication Skills

Education

Bachelor’s degree in Finance

Bachelor’s degree in Accounting

Bachelor’s degree in Business

Bachelor’s degree in Economics

Tools

Microsoft Word

Microsoft PowerPoint

Microsoft 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.

An exciting opportunity for a Credit Risk Associate, who will be part of our growing Portfolio Management Group. Responsible for credit coverage for clients in the Technology, Media, Telecom (TMT) sector for primarily 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 Associate 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:

• Conduct ongoing credit monitoring of the assigned portfolio, including reviewing and analyzing borrower compliance and financial reporting.
• Prepare detailed credit analyses and required credit applications in line with internal policies and regulatory guidance, evaluating company-specific, industry, and regulatory risks.
• 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 TMT 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.
• Ensure compliance with policy and regulatory requirements.
• Maintain top-quality data input in all bank systems.

Advanced Credit/Underwriting Solutions:

• Support the prescreening of proposed credit 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).
• Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues.

Policy and Deal Advocacy:

• Support the Portfolio Manager, communicate with Relationship Managers and Credit Risk Officers 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.

Qualifications:

• 2-5 years of experience at a financial institution or accounting firm.
• 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 a plus).