Vice President, Underwriting and Portfolio Management - Sponsor, Growth, & Middle Market Healthcare

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. MUFG is seeking a Vice President to join the Portfolio Management Group (PMG) within the Sponsor, Growth & Middle Market (SGMM) Healthcare vertical. This role is responsible for the underwriting and portfolio management of sponsor-backed and corporate healthcare borrowers. The Vice President will manage a designated portfolio of middle market healthcare credits, lead the underwriting and execution of new transactions, oversee ongoing portfolio monitoring, and ensure compliance with internal credit policies and regulatory requirements. The successful candidate will combine strong credit analysis and portfolio management capabilities with leadership responsibilities, serving as a key partner to Relationship Managers, Credit Division, product groups, sponsors, borrowers, and internal control functions. The Vice President will also mentor junior team members and contribute to the continued enhancement of portfolio management processes and risk management frameworks. Responsibilities: Portfolio Management Manage a portfolio of sponsor-backed and corporate healthcare clients, including periodic credit reviews, ongoing risk assessment, and performance monitoring. Analyze borrower operating performance, liquidity, leverage, cash flow generation, and debt repayment capacity to identify potential upgrades, downgrades, emerging risks, and opportunities. Determine accurate internal and regulatory risk ratings and make timely rating recommendations to management. Maintain direct communication with borrowers, sponsors, Relationship Managers, and internal stakeholders regarding portfolio developments. Monitor healthcare industry trends, market developments, reimbursement dynamics, regulatory changes, and competitive positioning relevant to portfolio companies. Coordinate and communicate portfolio account information across Credit, Relationship Management, Product Partners, Operations, Compliance, and Senior Management. Prepare portfolio reporting, management presentations, and ad hoc analyses for senior stakeholders. Ensure compliance with internal policies, regulatory guidance, and portfolio management procedures. Underwriting & Deal Execution Evaluate and underwrite leveraged buyouts (LBOs), mergers and acquisitions (M&A), recapitalizations, refinancings, add-on acquisitions, growth financings, and other complex lending transactions within the healthcare sector. Build and review detailed financial models, including base case, downside case, and sensitivity analyses. Prepare comprehensive credit approval memoranda addressing business risk, industry dynamics, sponsor support, transaction structure, financial performance, projections, valuation, key risks, and mitigants. Identify structural risks and recommend appropriate covenant protections, deal structuring enhancements, and risk mitigants consistent with bank policies. Partner with Relationship Managers, product specialists, and Credit Division throughout underwriting, approval, and closing processes. Participate in client, sponsor, lender, and internal credit meetings as required. Review legal documentation and coordinate closing activities to ensure transactions are executed accurately and efficiently. Transaction Administration & Portfolio Infrastructure Maintain oversight of credit administration processes and ensure completeness, accuracy, and timeliness of portfolio documentation. Review and interpret legal documentation to capture key economic and structural terms including pricing, fees, maturity profiles, collateral provisions, and covenant requirements. Coordinate with Operations, Middle Office, Legal, KYC, Enterprise Value, and other control functions to facilitate successful transaction closings and portfolio maintenance. Ensure credit applications, reviews, and portfolio records comply with internal standards, regulatory expectations, and documentation requirements. Maintain integrity of portfolio databases and internal systems used for reporting, monitoring, and risk management. Support management reporting through accurate portfolio data collection, validation, and analysis. Leadership & Team Development Provide guidance, oversight, and mentorship to Associates and Analysts across underwriting and portfolio management activities. Review credit analyses, financial models, risk ratings, and written materials prepared by junior professionals. Assist in training team members on credit risk management best practices, underwriting standards, portfolio monitoring methodologies, and healthcare sector knowledge. Contribute to process improvements and initiatives designed to strengthen portfolio management practices, risk governance, and analytical capabilities across the Healthcare vertical. Skills & Experience: Bachelor's degree required; degree in Finance, Accounting, Economics, or related field preferred. MBA and/or CFA designation considered a plus. 7+ years of experience in commercial banking, leveraged finance, sponsor finance, corporate banking, private credit, credit risk management, or related financial services roles. Significant experience underwriting and managing corporate credit exposure to middle market and sponsor-backed companies. Healthcare industry experience strongly preferred. Strong understanding of corporate finance, accounting, leveraged lending, and credit risk fundamentals. Advanced financial modeling and cash flow analysis capabilities. Knowledge of healthcare subsectors, reimbursement frameworks, regulatory dynamics, and industry-specific credit considerations is a plus. Experience reviewing and negotiating legal credit documentation and transaction structures. Strong communication, presentation, and relationship management skills. Ability to work independently while managing multiple priorities in a fast-paced environment. Completion of a formal credit training program at a major financial institution is highly desirable. Compensation & Benefits: The typical base pay range for this role is between $160k - $223k 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.