Associate supporting structured finance transactions in renewable energy sector. Collaborating with global teams to help deliver ambitious growth targets in solar and energy storage projects.
About the role
- Portfolio Manager responsible for credit analyses and monitoring borrowers for MUFG. Working on asset-based lending strategies with a focus on revenue growth and compliance.
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 bank’s 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 bank’s revenue growth goals by working closely with coverage RMs, product partners, and ABF origination staff to enhance MUFG’s 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 Bachelor’s 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
Benefits
- 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
- paid vacation, sick days, and holidays
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