Analyst – Credit Portfolio Management

Job Description

Credit Analyst – Underwriting & Portfolio Management – Sponsor, Growth & Middle-Market | Mitsubishi UFJ Financial Group

The Tone:
This is a full-time, hybrid role at Mitsubishi UFJ Financial Group, working from an MUFG office or client site four days a week with one remote day. MUFG is a leading global financial group dedicated to making a positive impact for clients, organizations, and communities worldwide. The company builds long-term relationships and fosters shared, sustainable growth. This role is crucial for supporting robust credit analysis and portfolio management across key industry verticals, ensuring sound lending decisions and effective risk management for sponsor-backed and corporate borrowers.

The TL;DR
• Role: Full Time
• Type: Full-time
• Location: Hybrid, MUFG office or client sites
• Pay: $89000–$110000 yearly
• Team: Portfolio Management Group (PMG) within the Sponsor, Growth & Middle Market (SGMM) platform, supporting specific Food & Beverage, Consumer & Retail, Environmental Services, and Diversified Industrials verticals.
• Mission: This person supports underwriting and portfolio management activities to ensure sound credit decisions and effective risk management for sponsor-backed and corporate borrowers.

What You’ll Actually Do
• Portfolio Monitoring: Track borrower operating performance, liquidity, leverage, and cash flow generation across covered verticals to identify upgrades, downgrades, and emerging risks.
• Underwriting & Modeling: Build and maintain financial models, including base and downside cases, to support the evaluation and underwriting of various lending transactions.
• Credit Analysis: Draft sections of credit approval memoranda, addressing client requests, business risk, industry dynamics, and transaction structure.
• Risk Assessment: Assist in preparing internal and regulatory risk rating recommendations and help identify structural risks, covenant considerations, and potential mitigants.
• Coordination & Reporting: Coordinate portfolio account information across internal teams, support legal documentation review, and prepare management presentations and ad hoc analyses.

The Must-Haves
• Background: Bachelor’s degree required, with a preference for Finance, Accounting, Economics, or a related field. Foundational understanding of corporate finance, accounting, financial statements, cash flow analysis, and credit risk fundamentals.
• Experience: Minimum 1 year experience in commercial banking, corporate banking, leveraged finance, sponsor finance, private credit, credit risk management, investment banking, or related financial services roles.
• Skills: Strong quantitative, analytical, and problem-solving skills with attention to detail; 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.