Wanted: Associate, Credit Solutions - Growth & Middle Market Technology

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 150,000 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.

OVERVIEW OF THE DEPARTMENT/SECTION

• Growth and company historical operating performance, projected operating performance and capital structure.
• Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio.
• Provide support for evaluating, structuring and negotiating terms and credit agreements with clients.
• Modelling skills (including sensitivity scenarios) required for both the credit application process and quarterly review presentations.
• Manage a subset of portfolio companies.
• Provide support for the syndication strategy, including lender presentations and liaison with participant lenders, and participate in client and bank meetings as necessary.
• Understand and maintain knowledge of sub-sectors represented in portfolio, including technical aspects and regulatory issues utilising internal and external sources.
• Oversight of facility closing procedures including both operations and documentation.
• Build relationships throughout MUFG to establish a peer network, gather relevant information and help to ensure effective inter-departmental collaboration.
• Build relationships at the appropriate business levels to create and maintain trust with corporate clients, venture capital / private equity funds and partner banks on transactions.
• Work collaboratively across the wider team to support the various functions as and when the need arises.

Policy and Transaction Responsibilities

• Support the communication with the credit approval division including final hold level strategies to ensure alignment of risk strategy and policy.
• 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.

WORK EXPERIENCE AND SKILLS

• Experience of working within a banking/advisory or transactional environment.
• Detailed understanding and practical experience of financial modelling.
• Understanding of the fundamentals of deal structuring.
• Basic understanding of senior debt instruments.
• Basic knowledge of Corporate / Leveraged legal documentation.
• Sound credit skills at an intermediate level.
• Basic negotiation skills with internal partners.
• A good team player with excellent interpersonal skills.
• Ability to effectively manage tight deadlines and different stakeholders.
• Clear communication skills both written and oral.
• Basic knowledge of debt capital markets.