Associate - Technology, Media & Telecom (TMT) - Digital Infrastructure Real Estate Focus

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.

Job Summary:

We’re looking for an Associate to join our growing Portfolio Management Group (PMG), focusing on credit coverage for Digital Infrastructure clients within the Technology, Media & Telecom (TMT) sector. This includes both investment-grade and non-investment-grade public and private corporate borrowers, as well as Commercial Real Estate borrowers who develop, own, and operate digital infrastructure.

You’ll be responsible for preparing detailed credit analyses for new business opportunities and ongoing portfolio reviews. Your core tasks will include:

• Evaluating corporate, regulatory, and industry risks

• Analyzing historical performance

• Developing operating cash flow and valuation projections

• Assessing borrower capital structures

In this role, you will support the senior Portfolio Manager in the assessment of risk factors associated with each credit leading to an appropriate risk rating based on established policies and guidelines. You’ll also help manage existing bank exposures and participate in underwriting and due diligence for new transactions. Primary responsibilities include analyzing risks and mitigants, including monitoring credits for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank’s net income while minimizing credit costs.

Responsibilities:

• Perform due diligence and financial analysis on new transactions and on-going reviews for the Digital Infrastructure loan portfolio.

• Provide regular and organized communication to Portfolio Managers while coordinating between various stakeholders across the Bank to drive efficiencies within the Portfolio Management process.

• Maintain a high level of awareness regarding macroeconomic trends that impact particular sectors within the TMT vertical by utilizing internal and external information/news sources.

• Attend client and bank meetings when appropriate, more often telephonically.

• Participate in adhoc projects as assigned.

Advanced Credit/Underwriting Solutions:

• Support the prescreening of proposed transactions by identifying critical structural issues and risks and balancing institutional policy with business objectives.

• Support the Digital Infrastructure vertical through financial modeling of commercial real estate cash flows and property valuations.

• Prepare and present select Quarterly Watch List credits to senior credit officers.

• Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues.

Policy and Deal Advocacy:

• Support the Senior Credit Officer(s), communicate with Relationship Managers and Portfolio Managers to problem solve and ensure transaction requests are acceptable within the risk appetite of the firm.

• Ensure compliance with internal policy and procedural requirements by understanding and adhering to USWB Operating Procedures, General Credit Policies for the Americas (GCP), and Procedures for Credit Ratings and Credit Rules.

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

• Ensure compliance with policy and regulatory requirements, including timely completion of all assigned training courses.

Skills & Experience:

Ideally you would have:

• Minimum of 2 years of work experience within a financial institution accounting firm or rating agency analyzing corporate client's risk, credit profiles, cash flow proj