Boston

Mitsubishi UFJ Financial Group•San Diego, CA

2d•Hybrid

About The Position

The 2027 Corporate, Investment Banking and Markets (CIB&M) Full-Time Analyst Program in Restaurant & Hospitality Finance is an opportunity for recent graduates to build a foundation for a long, rewarding career in global finance. The program begins in June and provides hands-on experience and business exposure. Analysts will be placed with a specific group to develop valuable skills and knowledge, working alongside professionals who will serve as instructors and mentors. Full-time analysts will support deals and client-focused projects by conducting financial analysis, modeling, research, and assisting with pitch books and presentations. The program aims to provide a comprehensive understanding of global banking/finance and an insider's perspective from serving multinational clients with complex financial needs. Restaurant & Hospitality Finance (RHF) is a rapidly expanding initiative within MUFG’s Global Corporate & Investment Banking Group, financing larger restaurant and fitness sector Franchisors, Operating Companies and Franchisees, with a focus on Quick Service, Fast Casual and High-Value Low-Price national brands. The group also provides real estate financing to mid-size hotel franchisees. The Analyst will be a corporate finance professional supporting RHF, including non-investment grade transaction origination and credit analysis. Critical functions include assessing risk factors, determining appropriate risk ratings, active credit management, and monitoring for potential upgrades or downgrades to maximize net income while minimizing credit costs.

Requirements

GPA of 3.3 or above is preferred, along with recommended course work in finance, accounting or economics
Bachelor’s degree, CFA candidacy is a plus
Undergraduate student graduating in Spring 2027
Work experience in financial institutions or equivalent credit risk related function analyzing corporate customers
Knowledge of accounting and corporate finance
Strong written, verbal, and interpersonal skills
Strong financial modeling skills
Able to work independently and in teams under pressure
Technologically savvy and proficient in Microsoft Office (Excel, PowerPoint, Word)
You work well independently as well as in teams, and collaborate with groups across the organization
Applicants must be authorized to work in the United States on a permanent basis

Nice To Haves

CFA candidacy is a plus

Responsibilities

Support the credit analysis and management of the RHF business unit
Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio
Provide support for evaluating, structuring and negotiating terms and credit agreements with Sponsor clients
Support the preparation of detailed credit analyses and required credit applications in accordance with internal policies and regulatory guidance, including the evaluation of company-specific, industry, and regulatory risks; and company historical operating performance, projected operating performance and capital structure.
Modeling skills required for both the credit application process and quarterly review presentations.
Provide support for coverage team’s idea generation and pitch materials for Sponsor clients and potential clients and attend client meetings as required
Provide support for the syndication strategy, including lender presentations and liaison with participant lenders, including banks and private credit firms
Responsible for the coordination and communication of account information across various constituencies throughout the organization.
Industry coverage responsibilities including the need to understand current relevant industry conditions in assigned portfolio utilizing internal and external sources.
Oversight of facility closing procedures including both operations and documentation.
Preparing call reports for review and comment by the GRM when the Analyst attends the client meetings
Assisting with periodic senior management reporting such as quarterly business updates, financial reporting, annual account planning, etc.
Ownership and management of processes required for compliance and execution, including profitability analysis, committee approvals, legal due diligence, KYC, and closing checklists
Work within deal team environment (with Industry Coverage, Capital Markets, and Syndications) supporting the development and analysis of financing structures/strategies, including leveraged capital markets and other product areas.
Support credit analysis for structured credit transactions (derivatives transactions, margin lending, receivable securitizations, supply chain finance).
Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues.
Participate in client and bank meetings as necessary.
Support the communication with the credit approval division including final hold level strategies to ensure alignment of risk strategy and policy.
Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level with regard to exposure on both a transaction and group level.
Ensure compliance with policy and regulatory requirements.