Credit Vice President - Portfolio Management Group, Diversified Industries

$170,000 - $190,000/Yr

Mitsubishi - Los Angeles, CA

Full-time - Mid Level

Los Angeles, CA

10,001+ employees

Transportation Equipment Manufacturing

About the position

The Credit Vice President will be an integral part of the Portfolio Management Group at Mitsubishi UFJ Financial Group (MUFG), focusing on underwriting and managing a diverse portfolio of clients in the Diversified Industries sector, which includes Consumer, Retail, Environmental Services, Engineering, and Construction. This role is pivotal in overseeing non-investment grade public and privately owned corporate borrowers, ensuring that credit management practices are robust and effective. The Vice President will utilize strong credit and analytical skills to provide continuous oversight of the portfolio, monitoring for potential risks and regulatory rating changes, and proactively identifying any credit deterioration. The ultimate goal is to maximize net income while minimizing credit costs. In this position, the Vice President will evaluate prospects and analyze the structure of complex financing transactions for both new and existing clients. Responsibilities include underwriting new bank debt transactions in accordance with established policies and guidelines, managing a portfolio of corporate clients, and preparing cash flow projections to assess borrowers' debt repayment capacities. The role also involves reviewing loan documentation, facilitating transaction closings, and coordinating the deal process with various credit partners and relationship managers. Additionally, the Vice President will be responsible for training and guiding junior team members, performing due diligence, and conducting regular reviews of the designated portfolio. This includes analyzing credit risk, determining accurate ratings, and preparing detailed credit analyses and applications. The Vice President will maintain direct communication with assigned customers and work closely with business lines to identify prospective transactions, ensuring compliance with external regulatory and internal policy requirements. The role also emphasizes mentoring junior analysts and enhancing the analytical skills of the team through effective communication and support.

Responsibilities

• Evaluate prospects and analyze structure of complex financing transactions for new and existing clients within the industry vertical
• Underwrite new bank debt transactions according to established policies and guidelines for non-investment grade clients and prospects
• Manage a portfolio of corporate clients, including periodic reviews and communication of account information across various constituencies throughout the organization
• Prepare cash flow projections to assess the debt repayment capacity of borrowers
• Review loan documentation and facilitate the closing of transactions
• Coordinate the deal process with credit partners in CDA, relationship managers in GRM, and various product partners
• Train and guide the junior members of the team
• Perform due diligence and regularly scheduled reviews
• Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management
• Prepare detailed credit analysis and credit applications in accordance with Policy, Credit Rules for Overseas Offices and company's Procedure Manual
• Coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions
• Maintain direct communication with assigned customers
• Identify structural risks and mitigate in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures
• Advise account officers on credit risk issues/terms and conditions to create a best possible deal with a goal of maximizing profit and minimizing credit cost
• Ensure compliance with external regulatory/internal policy and procedural requirements
• Participate in ad-hoc policy meetings to enhance organization wide credit risk framework
• Support and mentor junior analysts in credit risk management process

Requirements

• Bachelor's degree; CFA is an asset, an MBA and/or degree in Finance, Accounting, or Economics preferred but not required
• 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
• The ability to manage multiple priorities
• Effective communication skills and ability to work with senior credit officers, business partners, and clients
• Completion of formal credit training program is a decisive asset

Benefits

• 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