Vice President - Underwriting & Portfolio Management - Power & Utilities

Mitsubishi UFJ Financial Group • Los Angeles, NY

5d • Hybrid

About The Position

MUFG is seeking a Credit Vice President to join its growing corporate Power & Utilities Portfolio Management team. The role focuses on underwriting and portfolio management for investment-grade and non-investment-grade clients, including leveraged-finance and sponsor-based clients. The Vice President actively manages a designated portfolio, provides continuous credit oversight, monitors potential risk and regulatory rating changes, and proactively identifies credit deterioration to maximize net income and reduce credit costs.

The position involves evaluating and underwriting financing transactions, managing corporate client relationships and credit reviews, preparing cash-flow projections and credit analyses, reviewing loan documentation, and coordinating transaction closings. The role also supports deal structuring, policy compliance, and development of junior analysts. The selected colleague will work at an MUFG office or client sites four days per week and remotely one day per week.

Requirements

• Bachelor’s degree.
• At least 5 years of corporate lending experience.
• Strong credit skills and extensive financial modeling skills.
• Knowledge of standard bank products, including loans, letters of credit, derivatives, foreign exchange, securitization, and leasing.
• Strong written, verbal, and interpersonal skills.
• Ability to manage multiple priorities.
• Effective communication skills and ability to work with senior credit officers, business partners, and clients.

Nice To Haves

• CFA is an asset.
• An MBA and/or a degree in Finance, Accounting, or Economics is preferred but not required.
• Understanding of the power and utility sector, ESG trends, or other related work experience is preferred.
• Completion of a formal credit training program is a decisive asset.

Responsibilities

• Evaluate prospects and analyze the structure of complex financing transactions for new and existing clients in the Power & Utilities vertical.
• Underwrite new bank debt transactions for non-investment-grade clients and prospects in accordance with established policies and guidelines.
• Manage a portfolio of corporate clients, including conducting periodic reviews and communicating account information across the organization.
• Prepare cash-flow projections to assess borrowers’ debt repayment capacity.
• Review loan documentation and facilitate transaction closings.
• Coordinate deal processes with credit partners in CDA, relationship managers in GRM, and product partners.
• Train and guide junior team members.
• Actively manage a designated Power & Utilities portfolio, including regulated electric and gas utilities, independent power producers, project developers, and renewable energy holding companies.
• Perform due diligence and regularly scheduled portfolio reviews.
• Analyze portfolio credit risk, determine ratings, and recommend accurate and timely ratings to management.
• Prepare detailed credit analyses and applications in accordance with policy, Credit Rules for Overseas Offices, and the company’s Procedure Manual; evaluate borrower industry, business, legal, and financial risks and recommend extensions of credit to management.
• Coordinate and communicate critical account information independently to related parties across the bank, business line, product groups, and credit divisions.
• Maintain direct communication with assigned customers.
• Work with business lines and product groups to identify prospective transactions.
• Identify and mitigate structural risks in prospective transactions and recommend or enhance deal structures and covenants in line with policies and procedures.
• Advise account officers on credit risk issues, terms, and conditions to support profitable deals while minimizing credit costs.
• Communicate directly and independently with the credit division, providing the information and analysis required for decisions.
• Ensure compliance with external regulatory requirements and internal policies and procedures.
• Participate in ad hoc policy meetings to enhance the organization-wide credit risk framework.
• Train and support junior analysts on the job as assigned by the MD or Director/Team Leader.
• Guide junior analysts in completing complex assignments and develop the team’s analytical skills through close communication.

Benefits

• Competitive benefits package, subject to eligibility requirements and applicable terms.
• 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.
• Certain discretionary performance-based bonus and/or incentive compensation.

What This Job Offers

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