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

Mitsubishi UFJ Financial Group • New York, NY

6d • Hybrid

About The Position

MUFG is seeking an Associate for its growing Portfolio Management Group (PMG), providing credit coverage for Digital Infrastructure clients in the Technology, Media & Telecom (TMT) sector. Coverage 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 prepares detailed credit analyses for new business applications and ongoing reviews, evaluating corporate, regulatory, and industry risks; historical operating performance; operating cash flow and valuation projections; and borrower capital structures. The role supports senior Portfolio Managers in assessing risk factors and assigning appropriate risk ratings under established policies and guidelines, while managing existing bank exposure and underwriting and conducting due diligence for new transactions.

The Associate identifies risks and mitigants and monitors credits for potential upgrades, downgrades, or deterioration, with the objective of maximizing the bank’s net income while minimizing credit costs. The role also supports transaction prescreening, structured credit work, commercial real estate cash-flow modeling and property valuations, and communication and coordination across internal stakeholders. The selected colleague works at an MUFG office or client sites four days per week and remotely one day per week.

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.
• 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 bank credit-training program.
• Working toward a CFA.

Responsibilities

• Perform due diligence and financial analysis on new transactions and ongoing reviews for the Digital Infrastructure loan portfolio.
• Prepare credit analyses for credit applications, including evaluation of corporate, regulatory, and industry risks; historical operating performance; cash-flow and valuation projections; and borrower capital structures.
• Support senior Portfolio Managers in assessing credit risk factors and determining appropriate risk ratings under established policies and guidelines.
• Manage ongoing portfolio coverage of existing bank exposures and support underwriting and due diligence for new transactions.
• Analyze risks and mitigants, and monitor credits for potential upgrades, downgrades, or general credit deterioration.
• Communicate regularly and in an organized manner with Portfolio Managers, coordinating with bank stakeholders to improve Portfolio Management processes.
• Monitor macroeconomic trends affecting sectors within the TMT vertical using internal and external information 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 critical 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 through financial modeling of 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.
• Comply with internal policies and procedures, including USWB Operating Procedures, General Credit Policies for the Americas (GCP), and Procedures for Credit Ratings and Credit Rules.
• Evaluate and establish appropriate transaction ratings and correlate appropriate exposure levels at both transaction and group levels.
• Meet policy and regulatory requirements, including completing assigned training courses on time.

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