MUFG Union Bank Portfolio Management Group (PMG) Credit Analyst – Oil & Gas Banking Houston based in Houston, Texas
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Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
This is a hybrid position. There are flexible work from home options available. A member of our recruitment team will discuss the options with you in more detail.
Portfolio Management Group (PMG) Credit Analyst – Oil & Gas Banking Houston based
Overall Purpose of Job:
Support Portfolio Management group and handle credit coverage for non-investment corporate, leverage finance clients in our Oil & Gas (O&G) vertical, which includes upstream (inclusive of reserve-based lending, downstream and midstream O&G clients.
The Analyst will be a corporate finance professional, supporting non-investment grade, leverage finance coverage across the O&G vertical lending business. Critical function of assessing risk factors associated with a credit and determining appropriate rating based on established policies and guidelines. Responsibilities will include supporting the active credit management of a designated portfolio utilizing solid credit and analytical skills. Provide continuous oversight of portfolio names, monitoring for potential upgrading, down-grading & credit deterioration with the goal of maximizing net income and reducing credit costs.
Support the management of the O&G industry vertical corporate loan portfolio
Perform due diligence and regularly scheduled evaluation of loan portfolio
Support preparation of detailed credit analyses and required credit application according to policy, including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure
Modeling skills required for both credit application process and quarterly credit watch presentations
Responsible for the coordination and communication of account information across various constituencies throughout the organization
Responsible for knowledge of country/risk factors on a macro level
Responsible for knowledge the O&G industry and all current events in assigned portfolio utilizing internal and external sources
Oversight of covenants compliance database and facility closing due diligence, including documentation
Attend Relationship Manager customer meetings, when appropriate
Special projects as assigned
Advanced Credit/Underwriting Solutions:
Work within deal team environment (with GRM, Syndications & Mitsubishi UFJ Securities) supporting Senior PM’s in the development and analysis of financing structures/strategies to support/identify capital markets and corporate liability management opportunities
Prescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs
Understand and maintain base industry knowledge of industries represented in portfolio, including technical aspects, regulatory issues and unique credit product activity
Participate in client and bank meetings as necessary
Policy and Deal Advocacy:
Supporting the Senior PM, communicate and negotiate with credit division for transaction approval, 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
A Bachelor degree, a CFA Level 1, 2 or 3 is a decisive asset
A minimum of 1 year of experience in a related role
Solid credit & analytical background
Strong financial spreading/modeling skills
Completion of formal credit-training program at a money center bank is preferred
Strong written, verbal and interpersonal skills
Proficient computer skills in Microsoft Word, Excel, and Access
Able to work independently and under pressure
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/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 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.