Credit Analyst - Underwriting And Portfolio Management

Title: Credit Analyst - Underwriting And Portfolio Management

Location: Chicago, IL

Full time

job requisition id

10078274-WD

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:

MUFG is seeking an Analyst to join the Portfolio Management Group (PMG) within the Sponsor, Growth & Middle Market (SGMM) platform supporting the Food & Beverage, Consumer & Retail, Environmental Services, and Diversified Industrials verticals. This role will support the underwriting and portfolio management of sponsor-backed and corporate borrowers across these sectors.

The Analyst will assist with portfolio monitoring, credit analysis, underwriting support, financial modeling, transaction execution, and credit administration while developing foundational expertise in sector-focused lending and credit risk management.

The successful candidate will demonstrate strong analytical skills, attention to detail, intellectual curiosity, critical thinking, and the ability to work collaboratively with Senior Portfolio Managers, Relationship Managers, Credit Division, product groups, sponsors, borrowers, operations team, and internal control functions. The Analyst will be expected to produce accurate, well-supported analysis, manage multiple priorities, and contribute to high-quality execution across underwriting and portfolio management activities.

Responsibilities:

Portfolio Management

• Support monitoring of sponsor-backed and corporate clients across the Food & Beverage, Consumer & Retail, Environmental Services, and Diversified Industrials verticals, including periodic credit reviews, ongoing risk assessment, and performance tracking.

• Analyze borrower operating performance, liquidity, leverage, cash flow generation, debt repayment capacity, and fixed charge coverage to help identify potential upgrades, downgrades, emerging risks, and opportunities.

• Assist in preparing internal and regulatory risk rating recommendations for review by senior team members and management.

• Help gather and organize borrower, sponsor, Relationship Manager, and internal stakeholder updates regarding portfolio developments.

• Track industry trends, market developments, regulatory changes, consumer demand patterns, input cost dynamics, and competitive positioning relevant to portfolio companies across the covered verticals.

• Coordinate portfolio account information across Credit, Relationship Management, Product Partners, Operations, Compliance, and other internal teams.

• Prepare portfolio reporting, management presentations, and ad hoc analyses for review by senior team members.

• Support compliance with internal policies, regulatory guidance, and portfolio management procedures.

Underwriting & Deal Execution

• Support evaluation and underwriting of leveraged buyouts (LBOs), mergers and acquisitions (M&A), recapitalizations, refinancings, add-on acquisitions, growth financings, and other lending transactions across the Food & Beverage, Consumer & Retail, Environmental Services, and Diversified Industrials sectors.

• Build and maintain well thought out financial models, including base case, downside case, and sensitivity analyses, with guidance from senior team members.

• Draft sections of credit approval memoranda addressing client requests, business risk, industry dynamics, sponsor support, transaction structure, financial performance, projections, valuation, key risks, and mitigants.

• Assist in identifying structural risks, covenant considerations, deal structuring points, and potential risk mitigants consistent with bank policies.

• Collaborate with Relationship Managers, product specialists, and Credit Division during underwriting, approval, and closing processes.

• Participate in client, sponsor, lender, and internal credit meetings as needed.

• Support review of legal documentation and closing activities to help ensure transactions are executed accurately and efficiently.

Transaction Administration & Portfolio Infrastructure

• Support credit administration processes and help ensure completeness, accuracy, and timeliness of portfolio documentation.

• Assist in reviewing and interpreting 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 support transaction closings and portfolio maintenance.

• Help ensure credit applications, reviews, and portfolio records comply with internal standards, regulatory expectations, and documentation requirements.

• Maintain accurate portfolio data in internal systems used for reporting, monitoring, and risk management.

• Assist with management reporting through portfolio data collection, validation, and analysis.

Team Collaboration & Professional Development

• Work closely with senior team members to develop credit judgment, underwriting skills, portfolio management capabilities, and sector knowledge across Food & Beverage, Consumer & Retail, Environmental Services, and Diversified Industrials.

• Prepare accurate analyses, financial models, risk rating support, and written materials for review by senior team members.

• Participate in training opportunities and apply credit risk management best practices, underwriting standards, and portfolio monitoring methodologies.

• Contribute to team initiatives, process improvements, and analytical projects designed to strengthen portfolio management practices and execution quality across the covered verticals.

Skills and Experience:

• Bachelor's degree required; degree in Finance, Accounting, Economics, or related field preferred (CFA or MBA is a plus)

• Minimum 1 year experience in commercial banking, corporate banking, leveraged finance, sponsor finance, private credit, credit risk management, investment banking, or related financial services roles.

• Foundational understanding of corporate finance, accounting, financial statements, cash flow analysis, and credit risk fundamentals.

• Strong quantitative, analytical, and problem-solving skills with high attention to detail.

• Experience with three-statement financial modeling, valuation, and credit analysis

• Ability to interpret business performance, industry trends, and transaction structures with guidance from senior team members.

• Strong written and verbal communication skills, including the ability to summarize analysis clearly and concisely.

• Ability to work collaboratively, manage multiple priorities, meet deadlines, and respond effectively in a fast-paced environment.

• Completion of a formal credit training program is preferred.

Compensation and Benefits:

The typical base pay range for this role is between $89k - $110k 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.