Energy Banking Finance - Analyst

MUFG Houston Energy Banking Finance - Analyst

The Analyst will support the Portfolio Management Group within Energy Banking Finance in the ongoing credit risk management, monitoring, and administration of a portfolio of corporate banking relationships. The role is responsible for performing credit analysis and due diligence, preparing credit and rating applications, monitoring portfolio risks, and ensuring adherence to applicable internal policies, procedures, and regulatory requirements.

In this role you will perform both traditional corporate credit and industry-specific analysis. You will work with large and small public companies and sponsor-backed companies, and reserve-based lending clients, in addition to other corporate energy borrowers. It is a very analytical role, but you are also continually developing judgment about what matters to a credit.

Responsibilities

• Credit Analysis and Risk Assessment: Analyze the credit risk of assigned portfolio companies, evaluate financial condition and debt repayment capacity, determine appropriate credit ratings, and provide timely rating recommendations to management.
• Due Diligence and Ongoing Monitoring: Conduct comprehensive due diligence, scheduled credit reviews, and detailed financial and credit analysis to maintain an accurate and current assessment of assigned borrowers.
• Credit Applications and Approvals: Prepare high-quality credit applications and credit rating applications and coordinate with Relationship Managers, senior credit analysts, and relevant credit divisions to facilitate the approval process.
• Adverse Credit Monitoring: Prepare credit review reports for adversely rated credits, providing management and relevant credit divisions with timely information regarding borrower performance, financial condition, and other significant developments.
• Portfolio and Credit Risk Management: Perform credit control and portfolio management responsibilities as assigned by management, including participation in bank meetings and customer calls, preparation of call memoranda, and assistance with federal, state, and internal audits.
• Regulatory and Policy Compliance: Support asset evaluation and assessment processes and help ensure compliance with applicable external regulatory requirements and internal Bank policies, procedures, and guidelines.
• Account and Industry Analysis: Gather, review, and analyze relevant account information from available sources and coordinate with related internal divisions to develop well-supported assessments of borrowers' financial condition and ability to meet their debt obligations.
• Industry Expertise: Develop and maintain knowledge of relevant industries and market developments to strengthen the quality of credit analysis and portfolio risk assessment.
• Transaction and Account Coordination: Proactively coordinate with execution teams and the Loan Transaction Unit to support the appropriate booking and administration of newly assigned accounts.
• Team and Management Support: Support the Managing Director/Department Head and Associate/Team Leader with broader credit risk management activities, including on-the-job guidance for junior analysts, coordination with relevant credit and policy divisions, and assistance with internal and external examinations.
• Credit Policy Knowledge: Develop and maintain a thorough understanding of the Bank's credit policies, procedures, guidelines, and applicable regulatory requirements.

Qualifications

• Bachelor's degree or equivalent professional experience in finance, accounting, economics, business, or related discipline.

• Approximately 2-3+ years of relevant experience in corporate credit analysis, credit risk management, banking, or a comparable financial services function.

• Strong knowledge of corporate credit analysis and credit risk management.

• Strong analytical, financial analysis, problem-solving, and organizational skills.

• Strong written and verbal communication skills.

• Ability to work effectively both independently and collaboratively in a deadline-driven environment.

• Proficiency with Microsoft Office applications, particularly Excel and Word.

• The typical base pay range for this role is between $100K to $110K depending on job-related knowledge, skills, experience and location. This role will 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 the San Francisco Fair Chance Ordinance, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, and 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.

• About US

• At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!

• Our Culture Principles

• Client Centric

• People Focused