Analyst – Sponsor and Franchise Portfolio Man

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Credit Regular Full-Time Full Time CT
- Norwalk Office, Norwalk, CT, US

Salary Range: $85,000.00 To $ Annually

Position Overview:

This individual will primarily be responsible for the day-to-day management of the Franchise Finance portfolio of Mitsubishi HC Capital America, Inc. (MHCA), but will also assist with similar portfolio management activities on the Sponsor Finance portfolio. Daily activities will be centered on the monitoring and management of the portfolio including the preparation of credit underwriting memos in support of amendments and modifications of existing credit facilities.

Key areas of focus will be the management of credit risk, the monitoring of compliance, preparation of internal reporting, and the maintenance and monitoring of borrower relationships. This position will collaborate closely with the underwriting and sales teams.

Commitment to Internal Control:

The incumbent must understand, abide, and uphold the system of internal controls related to the essential duties and responsibilities of the position.

Essential Duties and Responsibilities:

• Compile weekly and monthly portfolio reports for the Franchise Finance portfolio and for assigned transactions on the Sponsor Portfolio.
• Prepare trend cards as needed and aid in the preparation and presentation of the quarterly portfolio reviews on a quarterly basis or more frequently as needed. This includes financial covenant trend analysis, past financial performance analysis and performance to plan (vs. base case from underwriting) analysis.
• Update of financial projections and enterprise value analysis as needed.
• Proactively identify adverse client trends and take necessary steps toward positive resolution and minimize credit loss exposure.
• Determine appropriate risk rating for each borrower while ensuring timely rating changes as needed.
• Perform the necessary due diligence in the preparation of credit underwritings in support of amendments, modifications, and extensions for existing transactions.
• Make recommendation to the VP Senior Credit Officer, SVP
  - Chief Credit Officer – Specialty Finance, EVP – Chief Credit Officer, and other senior management regarding transactions for approval under local delegation, or for their recommendation for approval by International Credit Division of MHC/Tokyo. Presentation to local Credit Committee as required.
• Attend bank meetings in person or via teleconference as needed.
• Coordinate with agent banks to confirm covenant and financial reporting is in accordance with loan document requirements.
• Assist with the underwriting of new business as needed.
• Manage Salesforce records and information files.

• None.

• Credit assessment, structure, and transaction communication within company prepared guidelines.
• Control portfolio risk and mitigate loan loss to acceptable levels.

Qualifications:

• Basic experience with cash flow finance transactions (acquisition finance, LBOs), experience with Franchise Finance a plus.
• Basic understanding of structuring, underwriting, and documentation practices elated to senior secured cash flow loans.
• Basic knowledge of corporate finance principles, including financial statement analysis, projection analysis and financial cash flow modeling (three statement models).
• Familiarity with reporting and financial covenants for senior secured cash flow loans.
• Strong computer software skills (Excel, Word, PowerPoint, Salesforce)
• Good interpersonal, organizational, verbal, and written…