Analyst, Asset Based Finance - Portfolio Management

MUFG•Boston, MA

4d•$95,000 - $125,000•Hybrid

About The Position

The Portfolio Management function within MUFG’s Asset Based Finance 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. The client base spans multiple industries, and customers range from large, public companies active in the capital markets to sponsor-owned middle market companies with complex capital structures.

Requirements

A Bachelor’s degree, ideally with a business major.
A minimum of 1 year 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 background with loan documentation is a plus
Completion of a formal credit-training program at either a money center, large national, or super regional bank is a plus
Strong written and interpersonal communication skills
Financial modeling and analytical skills using MS Word, Excel, and PowerPoint
Excellent analytic and quantitative skills

Nice To Haves

A CFA Level 1, 2 or 3 or an MBA is a plus.

Responsibilities

Monitoring borrower financial performance on an ongoing basis.
Evaluating collateral performance at the borrowing base component level and insure that adequate collateral is available to cover outstanding obligations.
Assess liquidity and excess availability levels, both historical and projected.
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.
Prepare detailed written credit analyses and required credit applications, including evaluation of loan purpose and structure, liquidity, asset protection, repayment sources, corporate, regulatory and industry risk, historical and projected operating performance, and capital structure.
Contribute to the bank’s revenue and return growth goals by working closely with portfolio officers, coverage RMs, product partners, and ABF origination staff to enhance MUGs importance to the borrower either through cross sell efforts or pitch to lead presentations.
Assist with closely monitoring troubled credits, recommend and implement the appropriate course of action when borrower financial performance or collateral adequacy becomes an issue, participate in internal meetings to review performance and exposure strategy, and address issues related to bankruptcy and collateral liquidation.
Assist with the management of a bank group as agent, including addressing client needs and structuring an appropriate solution, negotiating terms that would be satisfactory to MUFG and the broader bank group, and manage bank group communication.
Performing the necessary due diligence to provide timely responses to requests for additional credit.
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.
Conduct periodic discussions with Agents (when a participant) to get borrower updates, and address amend & extend requests and amendments.
Assist with the preparation for various internal and external examinations and audits and all compliance and operational aspects of the business.