Credit Analyst - Underwriting and Portfolio Management - Technology, Media, Telecom (TMT)

Mitsubishi UFJ Financial Group • San Francisco, CA

20h • Hybrid

About The Position

MUFG is seeking a Credit Risk Analyst for its growing Portfolio Management Group, covering Technology, Media, and Telecom (TMT) clients, including investment-grade, non-investment-grade public, and privately owned corporate borrowers. The analyst prepares detailed credit analyses and credit applications evaluating corporate, regulatory, and industry risk; historical and projected operating performance; and capital structure. The role assesses credit risk and assigns appropriate ratings under established policies and guidelines.

The analyst supports active credit management and underwriting of new transactions by analyzing risks and mitigants, monitoring credits for potential upgrades, downgrades, or deterioration, and helping maximize the bank’s net income while minimizing credit costs. The position also supports transaction prescreening, structured credit work, portfolio reviews, and collaboration with senior credit officers, relationship managers, and portfolio managers. The colleague will work at an MUFG office or client sites four days per week and remotely one day per week.

Requirements

• At least 1 year of work experience at a financial institution, accounting firm, or rating agency analyzing corporate clients’ risk and credit profiles.
• Strong financial spreading, modeling, and analytical skills.
• Experience analyzing corporate credit and financing transactions.
• Proficiency in Microsoft Word, PowerPoint, and Excel.
• Strong written, verbal, and interpersonal communication skills.
• Ability to work independently.
• Experience using AI tools to assist in core job functions.
• Bachelor’s degree in Finance, Accounting, Business, or Economics.

Nice To Haves

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

Responsibilities

• Perform due diligence on new transactions and regularly evaluate the existing loan portfolio.
• Coordinate and communicate account information across various constituencies.
• Build and maintain knowledge of country and risk factors and current events in the assigned TMT industry portfolio, using internal and external sources.
• Attend client and bank meetings by phone, video, or occasionally in person.
• Participate in special projects as assigned.
• Support prescreening of proposed transactions to identify critical structural issues and risks while balancing institutional policy and business objectives.
• Work on structured credit transactions, including securitizations, supply chain finance, FX, equity margin facilities, and leasing transactions.
• Prepare and present selected Quarterly Watch List credits to senior credit officers.
• Maintain knowledge of portfolio industries, including technical aspects and regulatory issues.
• 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 USWB Operating Procedures, General Credit Policies for the Americas, and Procedures for Credit Ratings and Credit Rules.
• Evaluate and establish appropriate transaction ratings and correlate exposure levels at both transaction and group levels.
• Ensure compliance with policy and regulatory requirements and complete assigned training courses on time.
• Analyze risks and mitigants, monitor credits for potential upgrades, downgrades, or deterioration, and support active credit management and new transaction underwriting.

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: Entry Level