Credit Analyst - Underwriting & Portfolio Management - Power & Utilities

Mitsubishi UFJ Financial Group • Los Angeles, CA

5d • Hybrid

About The Position

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

The Analyst supports portfolio management, credit analysis, transaction structuring, and policy advocacy. They work with Senior Portfolio Managers and deal teams to assess financing structures and strategies, identify capital markets and corporate liability management opportunities, and balance institutional policy with business development needs. The role coordinates account information across the organization and engages with clients, relationship managers, credit teams, and other constituencies.

The selected colleague will work at an MUFG office or client sites four days per week and remotely one day per week. The typical base pay range is $100,000 to $110,000, depending on job-related knowledge, skills, experience, and location. The role may also be eligible for discretionary performance-based bonus and/or incentive compensation. MUFG’s Total Rewards program includes 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, and paid vacation, sick days, and holidays.

Requirements

• Bachelor's degree.
• A minimum of 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.
• Proficient computer skills in 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 constituencies throughout the organization.
• 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 Relationship Manager customer meetings when appropriate.
• Complete special projects as assigned.
• Work within 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 critical structural issues and risks while balancing institutional policy with business development needs.
• Maintain base industry knowledge of industries represented in the portfolio, including technical aspects, regulatory issues, and unique 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 appropriate 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.
• Discretionary performance-based bonus and/or incentive compensation may be available.

What This Job Offers

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