2027 Corporate, Investment Banking and Markets (CIB&M) Full-Time Analyst Program – Sponsor Finance & Direct Lending | New York

Mitsubishi UFJ Financial Group•New York, NY

10d•Hybrid

About The Position

The Corporate, Investment Banking and Markets (CIB&M) Full-Time Analyst Program at MUFG provides recent graduates with hands-on experience and business exposure in global finance. Analysts are placed with a specific group to develop valuable skills and knowledge, working alongside experienced professionals who serve as instructors and mentors. The program offers a comprehensive understanding of global banking/finance and an insider's perspective through serving multinational clients with complex financial needs. The Sponsor Finance & Direct Lending unit focuses on evaluating and underwriting direct loans and credit exposures to Private Equity-owned non-investment grade borrowers. Analysts in this unit support origination, syndication, monitoring, and relationship management functions, assessing risk factors, determining risk ratings, and actively managing credit for potential upgrades or downgrades to maximize net income and minimize credit costs. The role involves supporting deal teams in developing and analyzing financing structures, including leveraged capital markets and other product areas, and supporting credit analysis for structured credit transactions.

Requirements

GPA of 3.3 or above is preferred, along with recommended course work in finance, accounting or economics
Bachelor’s degree
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 Sponsor/Direct Lending 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 books 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.
Generalist 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.
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.