Associate, Underwriting and Portfolio Management – TMT – Digital Infrastructure Commercial Real Estate

MUFG • New York, NY

7d • $130,000 - $155,000 • Hybrid

About The Position

MUFG is seeking an Associate to join its growing Portfolio Management Group (PMG), covering Digital Infrastructure clients in the Technology, Media & Telecom (TMT) sector. The portfolio includes investment-grade and non-investment-grade public and privately owned corporate borrowers, including commercial real estate borrowers that develop, own, and operate digital infrastructure.

The Associate will prepare detailed credit analyses for new-business applications and ongoing reviews. The role involves evaluating corporate, regulatory, and industry risks; analyzing historical operating performance; developing operating cash-flow and valuation projections; and assessing borrower capital structures. The Associate will support a senior Portfolio Manager in assessing credit risks and assigning risk ratings under established policies and guidelines, as well as managing existing bank exposures and underwriting and conducting due diligence for new transactions.

The position works at an MUFG office or client site four days per week and remotely one day per week. The role may also be eligible for discretionary performance-based bonus and/or incentive compensation. The typical base pay range is $130,000–$155,000, depending on job-related knowledge, skills, experience, and location.

Requirements

• At least 3 years of work experience at a financial institution, accounting firm, or rating agency analyzing corporate-client risk, credit profiles, cash-flow projections, and valuation, with a focus on commercial real estate and/or digital infrastructure.
• Positive, collaborative attitude and motivation to partner with PMG, Credit, and Relationship Managers in a fast-paced, growing team.
• Strong financial spreading, modeling, and analytical skills.
• Proficiency in Microsoft Word, PowerPoint, and Excel.
• Strong written, verbal, and interpersonal communication skills.
• Ability to work independently.
• Experience using AI tools to assist with core job functions.
• Bachelor’s degree in Finance, Accounting, Business, or Economics.

Nice To Haves

• Completion of a formal credit-training program at a bank.
• Working toward a CFA.

Responsibilities

• Perform due diligence and financial analysis on new transactions and ongoing reviews for the Digital Infrastructure loan portfolio.
• Communicate regularly and in an organized manner with Portfolio Managers, coordinating with stakeholders across the Bank to improve efficiency in the Portfolio Management process.
• Monitor macroeconomic trends affecting sectors in the TMT vertical using internal and external information and news sources.
• Attend client and bank meetings when appropriate, often by telephone.
• Participate in ad hoc projects as assigned.
• Support prescreening of proposed transactions by identifying structural issues and risks and balancing institutional policy with business objectives.
• Work on structured credit transactions, including securitizations, supply chain finance, FX, equity margin facilities, and leasing transactions.
• Support the Digital Infrastructure vertical by modeling commercial real estate cash flows and property valuations.
• Prepare and present selected Quarterly Watch List credits to senior credit officers.
• Support the Senior Credit Officer and communicate with Relationship Managers and Portfolio Managers to resolve issues and ensure transaction requests fit the firm’s risk appetite.
• Adhere to internal policy and procedural requirements, including USWB Operating Procedures, General Credit Policies for the Americas, and Procedures for Credit Ratings and Credit Rules.
• Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure levels at transaction and group levels.
• Meet policy and regulatory requirements, including completing assigned training courses on time.
• Monitor credits for potential upgrades, downgrades, or general credit deterioration, with the goal of maximizing bank net income while minimizing credit costs.

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, sick days, and holidays.
• Potential eligibility for discretionary performance-based bonus and/or incentive compensation.

What This Job Offers

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