Associate - Credit Underwriting and Portfolio Management - Financial Institutions Group (FIG)

Company: Mitsubishi UFJ Financial Group
Location: New York City
Posted on: April 4, 2026

Job Description:

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: We're seeking a Credit Risk Associate who will be part of our growing Portfolio Management Group. You will conduct credit analysis and recommendation for financial institution credits across the spectrum of FIG portfolio: Banks / Business Development Companies / Asset Managers / Insurance companies (Life & Health insurance and Property & Casualty companies) Structured financial solutions Asset based lending including Fund and NAV lending You will prepare and evaluate credit proposals and make recommendations to management on credit approval. You’ll be also monitoring the client financial, industry and credit trends regularly. Responsibilities: Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio. Coordinate and communicate account information across various constituencies throughout the organization. Responsible for knowledge of particular industries and all current events in assigned portfolio utilizing internal and external sources. Oversee covenants compliance database and facility closing due diligence, including documentation. Attend client meetings. Participate in special projects as assigned. Advanced Credit/Underwriting Solutions: Work within a deal team environment (with Global Relationship Managers, Credit Administration, Sponsor Coverage, and Capital Markets) to support the development and analysis of financing structures/strategies. Prescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs. Support credit analysis for structured credit transactions (derivatives transactions, receivable securitizations). Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues. Conduct site visits and participate in client and bank meetings. Policy and Deal Advocacy: Support the communication 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 and correlate appropriate exposure level with regard to exposure on both a transaction and group level. Ensure compliance with policy and regulatory requirements. Skills and Experience: Ideally you would have: Bachelor’s degree in Finance, Accounting, Business or Economics (CFA or MBA is a plus). 3 years experience within a financial institution (analyzing corporate clients' risk and credit profiles), accounting firm or rating agency. Experience in Financial Institutions credit analysis and financial markets Knowledge of credit and risk principles and legal and compliance regulations pertinent to lending. Strong financial spreading/modeling and analytical skills. Experience in analyzing corporate credit and financing transactions. Completed a formal credit-training program at a money center bank (preferred) Strong written, verbal and interpersonal skills. Proficiency in Microsoft Office (Word, Excel, PowerPoint). Compensation and Benefits: The typical base pay range for this role is between $135k - $155k 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.

Keywords: Mitsubishi UFJ Financial Group, Camden , Associate - Credit Underwriting and Portfolio Management - Financial Institutions Group (FIG), Accounting, Auditing , New York City, New Jersey