Credit Risk Associate – Portfolio Management Group, Healthcare

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 120,000 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.

We're seeking a Credit Risk Associate who will be part of our growing Portfolio Management Group. You will focus on underwriting and portfolio management for clients in the healthcare sector for non-investment grade public and privately owned corporate borrowers.

As an Associate you will be supporting senior portfolio managers in underwriting new debt transactions, follow-on financings for portfolio accounts, and monitoring portfolio account performance for potential upgrades, downgrades, and credit deterioration, with the goal of maximizing net income and reducing credit costs.

Responsibilities:

• Support senior portfolio managers in the credit analysis and management of the non-investment grade corporate credits, focusing on the healthcare industry.

• Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolios.

• Prepare detailed credit analyses and the required credit applications which include the evaluation of corporate, regulatory and industry risk, companies’ historical operating performance, projected operating performance, transaction and capital structure.

• Perform financial modeling for both the credit application process and scheduled reviews.

• Coordinate and communicate account information across various constituencies throughout the organization.

• Understand and constantly broaden knowledge of industries represented in portfolio, including technical aspects and regulatory issues utilizing internal and external sources.

• Oversee facility closing due diligence, including documentation.

• Attend client and bank meetings as necessary.

• Participate in special projects as assigned.

Advanced Credit/Underwriting Solutions:

• Work within a deal team environment (with Global Relationship Managers, Credit Administration, Sponsor Coverage, Capital Markets, etc.) supporting the development and analysis of financing structure and strategies.

• Prescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs.

• Support credit analysis for structured credit transactions (derivatives transactions, receivable securitizations).

Policy and Deal Advocacy:

• Ensure compliance with policy and regulatory requirements.

• Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level with regards to exposure on both a transaction and group level.

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

Skills & Experience:

• Bachelor’s degree in finance, accounting, business or economics (CFA and/or MBA is a plus)

• Completion of formal credit-training program at a money center bank is preferred

• 3-5 years of experience within a financial institution, accounting firm or rating agency analyzing corporate clients' ($500MM+ revenue) risk and credit profiles

• Healthcare sector experience is a plus

• Strong financial spreading/analysis and modeling skills

• Strong written, verbal and interpersonal skills

• Microsoft Word, Excel, and PowerPoint proficiency

• Able to work independently, demonstrate strong time management skills, and manage multiple assignments simultaneously

The typical base pay range for this role is between $120K - $145K depending on job-related knowledge, skills, experience and location. This role may also be eligible f