Credit Analyst - Underwriting & Portfolio Management - Power & Utilities

Mitsubishi UFJ Financial Group • Los Angeles, NY

5d • Hybrid

About The Position

MUFG is seeking a Credit Analyst to support Portfolio Management’s credit coverage of corporate clients in its Power & Utilities vertical, including regulated electric and gas utilities, independent power producers, project developers, and renewable energy holding companies. The Analyst supports investment-grade and non-investment-grade, leveraged-finance, and sponsor-based clients across the vertical’s lending business. The role assesses credit risk and determines appropriate ratings under established policies and guidelines while supporting active credit management of a designated portfolio. It includes continuous portfolio oversight to identify potential upgrades, downgrades, and credit deterioration, with the goal of maximizing net income and reducing credit costs.

The Analyst supports transaction and portfolio work with Senior Portfolio Managers and deal teams, including financing-structure analysis, transaction prescreening, credit approval advocacy, rating and exposure assessments, and policy and regulatory compliance. The position works at an MUFG office or client sites four days per week and remotely one day per week.

Requirements

• Bachelor's degree.
• At least 1 year of experience in a related role.
• Solid credit and analytical background.
• Strong financial spreading and modeling skills.
• Strong written, verbal, and interpersonal skills.
• Proficiency with Microsoft Word, Excel, and PowerPoint.
• Ability to work independently and under pressure.

Nice To Haves

• MBA, CPA, or CFA Level 1, 2, or 3.
• Understanding of the power and utility sector, ESG trends, or other related work experience.
• Completion of a formal credit-training program at a money center bank.

Responsibilities

• Support management of the Power & Utilities industry vertical corporate loan portfolio.
• Perform due diligence and regularly scheduled evaluations of the loan portfolio.
• Prepare detailed credit analyses and credit applications in accordance with policy, evaluating corporate, regulatory, and industry risk; historical and projected operating performance; and capital structure.
• Use financial modeling for credit applications and quarterly credit-watch presentations.
• Coordinate and communicate account information across organizational constituencies.
• Maintain knowledge of country and macro-level risk factors.
• Maintain knowledge of the Power & Utilities industry and current events affecting assigned portfolio names, using internal and external sources.
• Oversee the covenants compliance database and facility-closing due diligence, including documentation.
• Attend customer meetings with Relationship Managers when appropriate.
• Complete special projects as assigned.
• Work in deal teams with Global Relationship Management, Syndications, and MUFG Securities to support Senior Portfolio Managers in developing and analyzing financing structures and strategies, including capital-markets and corporate-liability-management opportunities.
• Prescreen proposed transactions to identify structural issues and risks while balancing institutional policy and business-development needs.
• Maintain base industry knowledge, including technical aspects, regulatory issues, and distinctive credit-product activity.
• Participate in client and bank meetings as necessary.
• Support Senior Portfolio Managers in communicating and negotiating with the credit division for transaction approval, including final hold-level strategies aligned with risk strategy and policy.
• Evaluate and establish appropriate transaction ratings and correlate exposure levels at both transaction and group levels.
• Ensure compliance with policy and regulatory requirements.

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.
• Eligibility for discretionary performance-based bonus and/or incentive compensation.

What This Job Offers

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