Secured Financing & Solutions Associate

Job description

Do you want your voice heard and your actions to count? 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. Join MUFG, where being inspired is expected and making a meaningful impact is rewarded. The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details. Position: Associate Roles & Responsibilities: Analyze and evaluate structured finance opportunities, including the assessment of facility structures, collateral quality, and key financing terms, such as structural protections, asset eligibility criteria, advance rates, concentration limits, and portfolio diversification requirements. Conduct detailed due diligence and quantitative analysis for new transactions, including cash flow modeling, portfolio composition and diversification analysis, and stress-testing of collateral performance and facility metrics Assess the credit quality and underlying value of portfolio assets (primarily corporate loans, but also infrastructure and asset-based loans) to support advance rate and valuation determinations by reviewing key credit metrics, financial performance, and collateral characteristics detailed in borrowing base files, investment memos, credit agreements, valuation reports, and other relevant underwriting materials Prepare detailed credit memos and documentation summarizing transaction details and risk assessment analyses conducted during underwriting Manage internal approval processes required for compliance and execution, including committee approvals, KYC, legal due diligence, and closing checklists Facilitate transaction documentation in coordination with internal and external counsel Support origination efforts by working with a diverse group of relationship and coverage teams to meet client needs and objectives Contribute to the ongoing monitoring and risk management of the SAF book including collateral and liquidity management as well as the regular review of borrowing base files, underlying asset performance, and cross transaction performance Work with the Portfolio Management Group to support transactions from origination and diligence through to closing and ongoing monitoring by applying in-depth knowledge of the private credit market, credit analysis, and facility structures Track the latest developments and market trends in the corporate credit space (both public and private) and provide periodic updates Facilitate the education of other Global Structured Solutions staff on fundamentals of corporate credit analysis and valuation, including training of new hires and junior staff Leverage the use of AI, as permitted by the policies of MUFG, to increase efficiency of internal processes Requirements: Bachelor’s Degree with a focus in Finance, Economics, Mathematics, Computer Science or Engineering, preferred A minimum of 2-3 years of related work experience of working on complex financing solutions with a focus on private credit Expertise in evaluating direct lending opportunities, construction of financial models and writing investment memos Experience and track record in financing fixed income products. Expertise in fixed income instruments, particularly structured credit, leverage loans and middle market loans Experience managing risk General skills & experience : Excellent communication skills Results driven and a strong sense of ownership & accountability Strong decision making skills, the ability to demonstrate sound judgment A structured and logical approach to work Strong problem solving skills Excellent interpersonal communication and analytical skills The typical base pay range for this role is between $150-170K 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 We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any. The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified. We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual’s associates or relatives that is protected under applicable federal, state, or local law.