GCIB Associate, Asset Lending — Portfolio Management Global Corporate Investment Bank

Overview

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.

The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.

MUFG Bank’s (MUBK) ABF group is one of the essential go-to-market products for MUBK in North America, and is housed within MUBK’s Global Corporate and Investment Banking division. It is an important financing tool for supporting clients’ needs. The ABF group delivers full services-based capabilities to MUBK’s clients including origination, underwriting and portfolio management, syndication and agency qualification. The ABF team is active across a range of client business sectors throughout the U.S.

The Portfolio Management function within MUBK’s ABF group is responsible for the oversight of a portfolio of asset based lending clients situated throughout the US, evaluating the creditworthiness of the clients on an ongoing basis, monitoring the collateral that supports all credit exposure, and initiating or supporting revenue growth efforts.

• 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

• 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…