Analyst – Sponsor and Franchise Portfolio Man
About The Position
This individual will primarily manage the day-to-day Franchise Finance portfolio of Mitsubishi HC Capital America, Inc. (MHCA), while also assisting with similar portfolio management activities for the Sponsor Finance portfolio. The role focuses on monitoring and managing the portfolio, preparing credit underwriting memos for amendments and modifications to existing credit facilities, managing credit risk, monitoring compliance, preparing internal reports, and maintaining borrower relationships. The position collaborates closely with underwriting and sales teams and is responsible for understanding, abiding by, and upholding internal controls related to its essential duties. The analyst assesses credit, structures transactions, communicates within company guidelines, and controls portfolio risk to mitigate loan losses to acceptable levels. The role has no management or supervisory responsibilities. Hours may vary and include some evening work; work is frequently 40–45 hours per week depending on business needs. Occasional travel may be required for transactions and industry seminars.
Requirements
- Basic experience with cash flow finance transactions, such as acquisition finance and LBOs.
- Basic understanding of structuring, underwriting, and documentation practices for senior secured cash flow loans.
- Basic knowledge of corporate finance principles, including financial statement analysis, projection analysis, and three-statement financial cash flow modeling.
- Familiarity with reporting and financial covenants for senior secured cash flow loans.
- Strong computer software skills, including Excel, Word, PowerPoint, and Salesforce.
- Good interpersonal, organizational, verbal, and written communication skills.
- Ability to work as a team player with a positive attitude, understand how the role supports company success, and keep commitments to others.
- Ability to organize and manage multiple priorities and complete work accurately and on time.
- Clear understanding of MHCA’s credit policies and operational procedures.
- BS in Accounting, Finance, or Economics, or equivalent experience.
- Formal credit training and a minimum of one year of experience in commercial lending, preferably in portfolio management; alternatively, a master’s degree in Accounting or Finance with relevant internships in cash flow finance and portfolio management.
- Digital dexterity and hand/eye coordination in operating office equipment.
- Ability to speak to and hear customers or employees by phone or in person.
- Body motor skills sufficient to move between office locations.
- Ability to do light lifting and carrying of supplies and files.
Nice To Haves
- Experience with Franchise Finance.
- Experience in a portfolio management role.
- Relevant internships in cash flow finance and portfolio management, as an alternative education-and-experience pathway.
Responsibilities
- Compile weekly and monthly portfolio reports for the Franchise Finance portfolio and assigned Sponsor Portfolio transactions.
- Prepare trend cards as needed and assist with quarterly portfolio reviews, including financial covenant trend analysis, past financial performance analysis, and performance-to-plan analysis against the underwriting base case.
- Update financial projections and enterprise value analyses as needed.
- Identify adverse client trends proactively and take steps toward positive resolution and minimizing credit loss exposure.
- Determine appropriate borrower risk ratings and ensure timely rating changes.
- Perform due diligence and prepare credit underwritings for amendments, modifications, and extensions of existing transactions.
- Make transaction recommendations to senior credit officers and other senior management for approval under local delegation or for recommendation to the International Credit Division of MHC/Tokyo; present to the local Credit Committee as required.
- Attend bank meetings in person or by teleconference as needed.
- Coordinate with agent banks to confirm covenant and financial reporting comply with loan document requirements.
- Assist with underwriting new business as needed.
- Manage Salesforce records and information files.
- Understand, abide by, and uphold internal controls related to the position’s essential duties.
- Assess credit, structure transactions, and communicate within company guidelines.
- Control portfolio risk and mitigate loan loss to acceptable levels.
Benefits
- Medical, dental, and vision plans.
- 401(k) and matching.
- Paid time off.
- Company-paid life insurance.
- Employee Assistance Program.
- Training and development opportunities.
- Employee discounts.
- Opportunity to earn a discretionary annual bonus.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
