Analyst - Working Capital & Trade Finance

MUFG • New York, NY

2d • $100,000 - $110,000 • Hybrid

About The Position

The Analyst, Working Capital & Trade Finance (WCTF) builds analytical, execution, risk management, and client-support capabilities to contribute across origination, structuring, implementation, and transaction monitoring. The Analyst supports senior team members in evaluating and executing new and existing WCTF transactions while developing an understanding of the Bank's working capital solutions, internal processes, and control framework.

The role calls for accuracy, accountability, intellectual curiosity, and effective collaboration in a fast-paced environment. Analysts deliver high-quality work with appropriate guidance, manage assigned responsibilities and competing priorities, raise questions and issues promptly, and assume greater ownership as their product knowledge, judgment, and execution capabilities develop. The selected colleague works at an MUFG office or client sites four days per week and remotely one day per week.

Requirements

• Bachelor's degree from a four-year accredited institution.
• Foundational financial analysis and modeling skills.
• Proficiency in Microsoft Excel and PowerPoint.
• Strong analytical and problem-solving capabilities, including the ability to learn new products, industries, systems, and transaction structures.
• Clear and professional written and verbal communication skills.
• Excellent organizational skills and ability to manage multiple assignments, follow through on commitments, and meet deadlines with appropriate oversight.
• High attention to detail, commitment to data accuracy, and awareness of risk and control responsibilities.
• Collaborative mindset, intellectual curiosity, and willingness to seek guidance, incorporate feedback, and support team priorities.

Nice To Haves

• Coursework in finance, accounting, economics, business, or a related field is preferred.
• Prior internship or experience in banking, working capital, trade finance, structured finance, credit, corporate finance, or a related field is beneficial but not required.

Responsibilities

• Support the analysis, structuring, approval, implementation, and closing of new and existing WCTF transactions under the guidance of senior team members.
• Prepare financial analyses, working capital assessments, transaction economics, ROE/RORA simulations, pricing and obligor limit analyses, deal sheets, and screening materials.
• Assess transaction risks, structural considerations, and assumptions; identify inconsistencies and escalate questions with supporting analysis.
• Prepare term sheets, approval materials, presentations, implementation submissions, documentation inputs, and closing deliverables.
• Coordinate assigned workstreams, timelines, and follow-ups across internal stakeholders; promptly escalate risks, delays, or unresolved items.
• Support client pitches, product proposals, peer analyses, and other marketing materials with senior Originators and Structurers.
• Research prospective clients, industries, and market developments to evaluate WCTF solution applicability and inform transaction analysis.
• Participate in internal and external calls, prepare meeting materials and follow-up items, and support timely responses to Relationship Manager and client inquiries.
• Communicate pipeline and transaction updates for assigned opportunities clearly and accurately.
• Develop an understanding of client objectives, constraints, and transaction requirements while operating within the Bank's risk appetite.
• Perform responsibilities in accordance with applicable credit policies, regulatory requirements, KYC standards, internal controls, and the Bank's risk appetite.
• Support monitoring and reporting for assigned WCTF assets, including performance, utilization, obligor exposure, and transaction requirements; promptly escalate deterioration, operational issues, or control concerns.
• Apply quality control to work products to ensure information is accurate, complete, consistent, and appropriately supported.
• Identify and escalate potential credit, operational, compliance, information security, data integrity, or conduct issues and support timely remediation.
• Demonstrate accountability, reliability, sound judgment, and clear communication while managing multiple assignments and deadlines.
• Collaborate across WCTF, the broader Working Capital organization, and other Bank functions.
• Build and apply product, credit, industry, market, legal documentation, systems, and execution knowledge.
• Incorporate feedback, address knowledge gaps through training and self-study, and progressively assume greater ownership of assigned work.
• Contribute to process improvement, standardization, automation, artificial intelligence, and special projects that improve efficiency, reporting quality, or risk management.
• Share knowledge and best practices to support team effectiveness and consistent execution.

Benefits

• Comprehensive health and wellness benefits
• Retirement plans
• Educational assistance and training programs
• Income replacement for qualified employees with disabilities
• Paid maternity and parental bonding leave
• Paid vacation
• Paid sick days
• Paid holidays
• Eligibility for discretionary performance-based bonus and/or incentive compensation

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level