Credit Analyst - Underwriting & Portfolio Management - Power & Utilities

MUFG•Los Angeles, CA

7d•$100,000 - $110,000•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 investment-grade and non-investment-grade, leveraged-finance, and sponsor-based clients across the vertical’s lending business. The role assesses credit risk and assigns ratings under established policies and guidelines. It supports active management of a designated portfolio through ongoing monitoring for potential upgrades, downgrades, and credit deterioration, with the goal of maximizing net income and reducing credit costs. The Analyst also supports financing structures and strategies, transaction approvals, and compliance with policy and regulatory requirements. The selected colleague works at an MUFG office or client sites four days per week and remotely one day per week. The position offers a typical base pay range of $100,000 to $110,000, depending on job-related knowledge, skills, experience, and location, and is eligible for certain discretionary performance-based bonus and/or incentive compensation. MUFG describes its Total Rewards package as including 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.
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.
Support preparation of detailed credit analyses and credit applications according to policy, including evaluation of corporate, regulatory, and industry risk; historical and projected operating performance; and capital structure.
Use modeling skills 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 in the assigned portfolio 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 alongside Global Relationship Management, Syndications, and MUFG Securities, supporting Senior Portfolio Managers in developing and analyzing financing structures and strategies and identifying capital markets and corporate liability management opportunities.
Prescreen proposed transactions to identify critical structural issues and risks while balancing institutional policy and business development needs.
Maintain base industry knowledge of portfolio industries, including technical aspects, regulatory issues, and unique credit product activity.
Participate in client and bank meetings as necessary.
Support the Senior Portfolio Manager 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 transaction and group levels.
Ensure compliance with policy and regulatory requirements.