Credit Risk Analyst – Portfolio Management

Job Description

Analyst, Credit Underwriting and Portfolio Management – Diversified Industrials | Mitsubishi UFJ Financial Group

The Tone:
This is a full-time role at Mitsubishi UFJ Financial Group (MUFG), located in Toronto, Ontario, Canada. MUFG is one of the world’s leading financial groups, striving to make a difference for every client, organization, and community globally. This role is crucial for ensuring sound credit coverage for clients in the Diversified Industrials segment, contributing to the bank’s net income while minimizing credit costs through diligent risk assessment and portfolio management.

The TL;DR
• Role: Full Time
• Type: Full-time
• Location: In-person, Canada (Ontario) – Toronto

• Team: Portfolio Management Group, working within a deal team environment
• Mission: Maximize the bank’s net income and minimize credit costs by providing credit coverage and assessing risks for diversified industrial clients.

What You’ll Actually Do
• Credit Analysis: Prepare detailed credit analyses and applications, evaluating corporate, regulatory, industry, and projected operating performance risks.
• Risk Assessment: Assess risk factors for each credit and determine appropriate risk ratings based on established policies and guidelines.
• Portfolio Management: Perform due diligence on new transactions and regularly evaluate the existing loan portfolio, monitoring credits for potential upgrades or deterioration.
• Transaction Support: Support the development and analysis of financing structures and strategies within a deal team, including prescreening proposed transactions to identify critical issues.
• Policy Compliance: Evaluate and establish appropriate ratings and exposure levels for transactions, ensuring compliance with both institutional policy and regulatory requirements.

The Must-Haves
• Background: Bachelor’s degree required, with a preference for Finance, Accounting, Economics, or a related field. This is an entry-level position.
• Experience: Minimum 1 year experience in commercial banking, corporate banking, private credit, credit risk management, or related financial services roles.
• Skills: Foundational understanding of corporate finance, accounting, financial statements, cash flow analysis, and credit risk fundamentals; strong quantitative, analytical, and problem-solving skills; experience with three-statement financial modeling, valuation, and credit analysis; strong written and verbal communication skills.
• Bonus: CFA or MBA is a plus; completion of a formal credit training program is preferred.