Associate Credit Officer

Mitsubishi HC Capital America Inc•Norwalk, CT

149d•$90,000 - $160,000•Hybrid

About The Position

This individual will be responsible for supporting the origination, structuring and execution of transactions, including private credit, project finance and asset-based lending. Assists in the preparation of prescreen and deal approval memos, transaction structuring, due diligence, financial modeling, documentation review, and transaction closing. Commitment to Internal Control: The incumbent accepts the responsibility for establishing and maintaining the internal control system associated with the essential duties and responsibilities of the functional areas that the incumbent manages.

Requirements

Extensive knowledge of credit evaluation, financial, collateral, and cash flow analysis.
Advanced skills in cash flow modeling for either corporate or project finance transactions.
Knowledge of structuring, underwriting, and documentation practices related to asset-based lending, private credit or project finance.
Advanced technical skills (Excel, PowerPoint, Word, etc.)
Excellent verbal and written communication skills.
Understanding of multiple industry dynamics and how economic conditions impact credit quality and structure.
Time Management: ability to organize and manage multiple priorities and complete on a timely and accurate basis.
Bachelor's degree from a four-year college or university
Formal credit training, including financial modeling training (corporate finance or project finance)
3+ years of experience in commercial lending.

Nice To Haves

CFA candidate Level II/III or charter holder preferred

Responsibilities

Have a clear understanding of MHCA’s credit policies and operational procedures.
Evaluate new business transactions on a timely basis in collaboration with the origination teams.
Specific underwriting focus based on prior experience, preferably in private credit, project finance and/or asset-based lending. The incumbent is expected to become familiar with all three segments over time.
Assist in preparation and preparation of initial prescreen memo, including company overview, financial analysis, valuation work, and diligence items.
Coordinate with sponsor contacts, borrower management team, agent banks, transaction advisors, external counsel, and other third-party resources as part of the diligence and documentation processes.
Contribute to the preparation of a comprehensive underwriting memo, including leading the financial modeling and sensitivity analysis, as well as documentation of compliance with underwriting guidelines and preparation of the obligor rating.
Participate in presentation of the approval memo to delegation holders, including credit committee.
Monitor trends across targeted industry sectors to support deal origination.
Proactively monitor obligor financial performance and identify any adverse trends to senior management.
Work with portfolio manager to onboard new clients for funding procedures and reporting requirements.
Assist portfolio managers in reviewing credit amendment requests for existing clients.
Manage Salesforce records and information files for pipeline transactions.