Credit Analyst - Underwriting & Portfolio Management - Sponsor, Growth & Middle-Market

MUFG

  • Toronto, ON
  • Permanent
  • Full-time
  • 20 days ago
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 Analyst who will be part of our growing Portfolio Management Group across the Sponsor, Growth, and Middle Market (SGMM) sectors. You will handle credit coverage for clients in verticals including Food & Beverage, Consumer & Retail, Environmental Services, and Diversified Industrials for primarily non-investment grade public and private 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 knowledge of country/risk factors, particular verticals within SGMM, and all current events in the assigned portfolio utilizing internal and external sources.Attend client and bank meetings when appropriate, more often telephonically.Participate in special projects as assigned.Advanced Credit/Underwriting Solutions:Support 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 and Experience:Bachelor’s degree, in Finance, Accounting, Business or Economics (CFA or MBA is a plus)Minimum 1 year experience within a financial institution (analyzing corporate clients' risk and credit profiles), accounting firm or rating agencyStrong financial spreading, modeling and analytical skills are a mustExperience in analyzing corporate credit and financing transactionsCompleted a formal credit-training program at a money center bank (preferred)Strong written, verbal and interpersonal skillsProficiency in Microsoft Office (Word, Excel, PowerPoint)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.

MUFG