MUFG Union Bank Credit Analyst, PMG Power & Utilities, Analyst in Los Angeles, California

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MUFG Union Bank, N.A. is seeking Analyst level candidates for our Los Angeles based Portfolio Management Power & Utilities team. This role will be a junior corporate finance professional, supporting investment grade lending business. Critical function of assessing risk factors associated with a credit and determining appropriate rating based on established policies and guidelines. Responsible for active credit management of a designated portfolio utilizing solid credit and analytical skills. Provide continuous oversight of portfolio names, monitoring for potential upgrading, downgrading and credit deterioration with the goal of maximizing net income and reducing credit costs.


  • Analyze the credit risk of the designated portfolio, determine accurate ratings and make recommendation of accurate and timely ratings to managers and management

  • Perform due diligence, regularly schedule reviews and detailed credit analysis

  • Prepare credit applications and credit rating applications, and obtain approvals from credit divisions by working directly with RMs and senior credit analysts

  • Support Managing Director/Department Head and Associate/Team Leader in credit risk management by: providing junior analyst with necessary advises and consultation on OJT basis, developing and enhancing analytical skills of the team through close communication with related divisions such as CEA.CDA, Credit Policy Office and other Credit Divisions, and assisting internal and external exam conducted by CEA, FED, FSA and other authorities

Additionally the Analyst will:

  • Prepare credit review reports for adverse credits for the purpose of tracking and reporting up-to-date conditions of such credits to management and relevant credit divisions

  • Perform credit control and portfolio management responsibility as assigned by management or Managing Director/Department Head including:

  • Attendance to bank meeting and customer calls as necessary

  • Assistance to RMs with federal, state and internal audits

  • Self asset evaluation and assessment procedures, preparation of call memos and ensuring compliance with external regulatory requirement and Internal Bank policy and procedural requirements

  • Responsible for expanding knowledge of particular industries and for proactive coordination with execution team and Loan Transaction Unit for proper booking of newly assigned accounts

  • Gather, review and analyze critical account information from all available sources by communicating and coordinating with all related division in order to make accurate assessment or judging of the customer's financial condition and ability to fulfill debt obligations

  • Obtain and maintain full understanding of the Bank's internal credit policies, procedures and guidelines

We require :

  • Corporate finance professional with solid credit and analytical background

  • A bachelor's degree in Business, Finance or related field of study

  • 1 or more years of experience. Progress towards a CFA is a plus

  • Completion of formal credit-training program at a money center bank preferred

  • Strong written, verbal and interpersonal skills are required

  • Strong financial modeling MS Excel skills a must

  • In-depth knowledge of general corporate credit analysis, credit and risk management is required

  • Able to work independently and under pressure

We are proud to be an Equal Opportunity/Affirmative Action 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 in employment decisions on the basis of any protected category.

Job: *Risk & Compliance

Title: Credit Analyst, PMG Power & Utilities, Analyst

Location: CALIFORNIA-Los Angeles

Requisition ID: 10009640-WD