Credit Analyst Jobs in Woonsocket, RI (NOW HIRING)

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.
Job Summary:
The Growth and Middle-Market Technology Banking team at MUFG covers the most exciting venture backed, private equity owned and publicly traded technology companies in the world. They support pre-IPO growth and middle-market public companies in the innovation ecosystem by evaluating, structuring and underwriting loan facilities and other credit exposures.
We are seeking a VP level individual, who will be supporting Growth & Middle Market Credit Solutions transaction origination and credit analysis efforts. You will be responsible for evaluating and underwriting loans and other credit exposures to Growth and Middle Market Technology companies. As a Vice President, you will be a corporate finance professional, supporting transaction origination and credit analysis efforts. This includes loan structuring, navigating the credit approval process, and managing credit exposure within portfolios. The role requires a technical expert known internally and externally as a reliable, knowledgeable resource.
Responsibilities:

• Ensure the delivery of high-quality output from the team, including credit applications, financial modeling, analysis, and structuring.
• Lead the deal execution process from start to finish, including due diligence with technology clients and prospects, conversations with credit approvers, structuring, underwriting, negotiation of legal documents, and leveraging the broader team as necessary.
• Oversee portfolio management activity and assume accountability for delivery and execution for the defined portfolio.
• Prepare detailed credit analyses and required credit applications in accordance with internal policies and regulatory guidance, including evaluating company-specific, industry, and regulatory risks, historical operating performance, projected operating performance, and capital structure.
• Support the syndication strategy, including lender presentations and liaison with participant lenders, and participate in client and bank meetings as necessary.
• Maintain knowledge of industries represented in the portfolio, including technical aspects and regulatory issues, utilizing internal and external sources.
• Oversee facility closing procedures, including operations and documentation.
• Identify potential debt opportunities through research and analytics, partnering with the Relationship Management Team.
• Coach and oversee junior talent, reviewing their work as necessary.

Policy and Transaction Responsibilities:

• Communicate with the credit approval division, including final hold level strategies, to ensure alignment of risk strategy and policy.
• Evaluate and establish appropriate ratings for transactions, correlating exposure levels on both a transaction and group level.
• Ensure compliance with policy and regulatory requirements.

Skills & Experience:

• A Bachelor's degree is required; a Master's degree (MBA) is a plus.
• 5+ years of work experience in financial institutions or equivalent credit risk-related functions analyzing corporate borrowers.
• A team player who is willing to roll up their sleeves to deliver seamless execution.
• In-depth knowledge of credit and risk principles.
• Demonstrated capability to independently handle complex transactions and sensitive borrowers.
• Knowledge of accounting and corporate finance.
• Strong written, verbal, and interpersonal skills.
• Strong time management and organizational skills.
• Attention to detail.
• Strong financial modeling skills required.
• Good computer skills in Microsoft Word, Power Point, and Excel.
• Able to work independently and under pressure

Compensation & Benefits:
The typical base pay range for this role is between $160k - $225k, depending on job-related knowledge, skills, experience, and location. This role may also be eligible for discretionary performance-based bonuses and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (subject to eligibility requirements and respective terms) 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.