Analyst, Asset Based Finance - Portfolio Management

MUFG•Boston, MA

2d•Hybrid

About The Position

The Portfolio Management function within MUFG’s Asset Based Finance group oversees a portfolio of asset-based lending clients across the United States. It evaluates clients’ ongoing creditworthiness, monitors collateral supporting credit exposure, and supports revenue growth efforts. Clients span multiple industries and include large public companies active in capital markets as well as sponsor-owned middle-market companies with complex capital structures. The analyst assists ABF portfolio managers with financial and collateral monitoring, credit analysis and applications, risk rating reviews, due diligence, and the management of troubled credits and bank groups. The role also contributes to client revenue growth, supports examinations and audits, and helps meet the business’s compliance and operational requirements. The selected colleague works at an MUFG office or client sites four days per week and remotely one day per week. The typical base pay range is $95,000–$125,000, depending on job-related knowledge, skills, experience, and location. The role is eligible for certain discretionary performance-based bonus and/or incentive compensation.

Requirements

Bachelor’s degree, ideally with a business major.
At least 1 year of relevant corporate financial analysis experience.
Career track as a corporate finance professional with a credit and analytical background.
Strong written and interpersonal communication skills.
Financial modeling and analytical skills using MS Word, Excel, and PowerPoint.
Excellent analytical and quantitative skills.

Nice To Haves

CFA Level 1, 2, or 3, or an MBA.
Specific experience in asset-based lending.
Background with loan documentation.
Completion of a formal credit-training program at a money center, large national, or super regional bank.

Responsibilities

Monitor borrower financial performance on an ongoing basis.
Evaluate collateral performance at the borrowing-base component level and ensure adequate collateral is available to cover outstanding obligations.
Assess historical and projected liquidity and excess availability.
Ensure collateral is regularly appraised and field examinations are conducted to assess collateral quality and controls; address issues identified through appraisals or examinations.
Prepare detailed written credit analyses and required credit applications, assessing loan purpose and structure, liquidity, asset protection, repayment sources, corporate, regulatory and industry risks, historical and projected operating performance, and capital structure.
Support revenue and return growth by working with portfolio officers, coverage relationship managers, product partners, and ABF origination staff on cross-selling and lead presentations.
Help monitor troubled credits, recommend and implement appropriate actions when borrower performance or collateral adequacy becomes an issue, participate in performance and exposure-strategy reviews, and address bankruptcy and collateral-liquidation matters.
Assist in managing bank groups when MUFG is agent, including addressing client needs, structuring solutions, negotiating terms satisfactory to MUFG and the broader bank group, and managing bank-group communications.
Perform due diligence and respond promptly to requests for additional credit.
Ensure internal and regulatory borrower risk ratings remain accurate and recommend adjustments when material changes in credit profiles occur.
Conduct periodic discussions with agents when MUFG is a participant to obtain borrower updates and address amend-and-extend requests and other amendments.
Assist with preparation for internal and external examinations and audits, and support compliance and operational aspects of the business.