Analyst - Technology, Media & Telecom (TMT) - Digital Infrastructure Real Estate Focus

About the role

We are seeking a Credit Risk Analyst to join our growing Portfolio Management Group. The role involves handling credit coverage for clients in the Technology, Media, Telecom and Sports (TMTS) sector, including Commercial Real Estate Borrowers that develop, own and operate Digital Infrastructure.

Responsibilities

• Prepare detailed credit analyses as part of credit applications for new business as well as on-going reviews.
• Evaluate corporate, regulatory and industry risk, historical operating performance, projected operating performance and asset valuation, and capital structure assessment with a focus on excel modeling and credit memo preparation.
• Avoid and determine the appropriate risk rating based on established policies and guidelines.
• Support active credit management and new transaction underwriting utilizing solid credit and analytical skills, analyzing risks and mitigants, including monitoring credits for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank’s net income while minimizing credit costs.
• Be the primary lead for financial modeling and analysis with oversight from Portfolio Manager.
• Maintain organization with portfolio data management using internal systems.
• Perform due diligence and financial analysis on new transactions and on-going reviews for the existing loan portfolio.
• Provide regular and organized communication to Portfolio Managers while coordinating between various stakeholders across the Bank to drive efficiencies within the Portfolio Management process.
• Maintain a high level of awareness regarding macroeconomic trends that impact sectors within the TMTS vertical by utilizing internal and external information/news sources.
• Attend client and bank meetings when appropriate, more often telephonically.
• Participate in special projects as assigned.

Advanced Credit/Underwriting Solutions

• Support the prescreening of proposed transactions by identifying critical structural issues and risks and balancing institutional policy with business objectives.
• Work on structured credit transactions (including securitizations, supply chain finance, FX, Equity Margin facilities and leasing transactions).
• Support the Digital Infrastructure vertical through financial modeling of commercial real estate cash flows and property valuations.
• Prepare and present select Quarterly Watch List credits to senior credit officers.

Policy and Deal Advocacy

• Support the Senior Credit Officer, communicate with Relationship Managers and Portfolio Managers to solve problems and ensure transaction requests are acceptable within the risk appetite of the firm.
• Ensure compliance with internal policy and procedural requirements by understanding and adhering to USWB Operating Procedures, General Credit Policies for the Americas (GCP), and Procedures for Credit Ratings and Credit Rules.
• Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level regarding exposure on both a transaction and group level.
• Ensure compliance with policy and regulatory requirements, including timely completion of all assigned training courses.

Skills & Experience

• A self-starter mentality with motivation to collaborate with and contribute to a fast-paced, dynamic team and environment.
• Minimum of 1 year of work experience within a financial institution, accounting firm or rating agency analyzing corporate client's risk, credit profiles, cash flow projections and valuation.
• Strong financial spreading/modeling and analytical skills.
• Experience analyzing corporate and commercial real estate credit and financing transactions.
• Proficiency in Microsoft Word, PowerPoint and Excel.
• Strong written, verbal and interpersonal communication skills with ability to work independently.
• Completion of a formal credit-training program at a bank preferred.
• Bachelor’s degree, in Finance, Accounting, Business or Economics (working towards a CFA a plus).

Compensation & Benefits

The typical base pay range for this role is between $89k - $110k depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that 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. For more information on our Total Rewards package, please click the link below. MUFG Benefits Summary