Vice President, Asset Based Finance Group (ABF) Portfolio Management

About the Role

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas, and collaborate toward greater innovation, speed, and agility. This means investing in talent, technologies, and tools that empower you to own your career. The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day.

Asset Based Finance Group (ABF) within MUFG Bank delivers full services-based capabilities including origination, underwriting, portfolio management, syndicating, and agenting ABL revolvers. The ABF team is active across a range of client business sectors throughout the U.S.

Overall Purpose of Job

The Portfolio Management function within MUFG’s ABF group is responsible for the oversight of a portfolio of asset-based lending clients throughout the U.S., evaluating creditworthiness, monitoring collateral, and supporting revenue growth efforts. The client base spans multiple industries, including large public companies and sponsor-owned middle market companies with complex capital structures.

Responsibilities

• Monitor borrower financial performance on an ongoing basis.
• Evaluate collateral performance at the borrowing base component level and ensure adequate collateral covers outstanding obligations.
• Assess liquidity and excess availability levels, both historical and projected.
• Ensure the bank’s collateral is regularly appraised, field exams are conducted, and adjustments are made if issues arise.
• Prepare detailed written credit analyses and required credit applications, including evaluation of loan purpose, structure, liquidity, asset protection, repayment sources, and capital structure.
• Contribute to revenue and return growth goals by working closely with coverage RMs, product partners, and ABF origination staff to enhance MUFG’s importance to the borrower.
• Monitor troubled credits, recommend and implement appropriate actions, and address issues related to bankruptcy and collateral liquidation.
• Manage bank group as agent, addressing client needs, structuring solutions, negotiating terms, and managing communication.
• Perform due diligence to provide timely responses to requests for additional credit.
• Ensure internal and regulatory risk ratings for borrowers remain accurate and recommend adjustments when necessary.
• Conduct periodic discussions with Agents (when a participant) to address borrower updates, amend & extend requests, and amendments.
• Assist with preparation for internal and external examinations, audits, and all compliance and operational aspects of the business.

Requirements

• A Bachelor’s degree, ideally with a business major. A CFA (Level 1, 2, or 3) or an MBA is a plus.
• A minimum of 5-10 years of relevant corporate banking experience, with specific experience in asset-based lending preferred.
• Ability to manage problem loan and restructuring activities, including expertise in bankruptcies and liquidations.
• Ability to negotiate loan documentation independently and extensive knowledge of secured lending issues and lien laws.
• Secured lending expertise, including analyzing projections, collateral analysis, intercreditor issues, and cash dominion implementation.
• High-level legal and negotiation skills.
• Excellent verbal and written communication skills.
• Ability to collaborate effectively with coverage teams, credit officers, sponsor coverage, product partners, and legal.
• Financial modeling and analytical skills using MS Word, Excel, and PowerPoint.
• Excellent organizational and administrative skills.
• Proactive, organized, and self-directed.

Pay

The typical base pay range for this role is between $170K to $210K, depending on job-related knowledge, skills, experience, and location. Eligible for discretionary performance-based bonus and/or incentive compensation.

Benefits

Total Rewards program includes a competitive benefits package (based on eligibility) with 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.