MUFG Union Bank Jobs

Mobile mufg Logo

Job Information

MUFG Union Bank Senior Credit Analyst - Technology - Commercial Banking in Palo Alto, California


Are you passionate about creating an exceptional client experience?

Discover your opportunity with Union Bank®, a division of the Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world. At Union Bank, we have our clients’ best interest in mind and draw on more than 160 years of experience to understand their distinct needs to tailor our solutions. We’re part of 180,000 colleagues around the globe striving to be the world’s most trusted financial group, knowing that trust starts with a culture of putting people first and empowering you to achieve your potential. Join Union Bank, where being inspired is expected and creating results is rewarded.


We are a specialized industry banking team dedicated to building lead relationships through delivering sound, strategic and balanced advice to early stage, growth stage, mature & public companies.

Our mission is to:

  • Deliver in-depth technology industry knowledge with a focus on industry trends, dynamics, and competitive landscape

  • Accelerate the strategic dialogue between the client and the Bank

  • Provide access to industry specialized credit organization, delivering faster decisions to the client

  • Align relationships within Technology, Media & Telecom investment banking coverage for M&A and capital markets execution

  • Leverage MUFG’s advanced technology partnerships, innovation, strategic & commercial capital teams

  • Engage with venture capital firms and access partnerships with venture debt lenders

Job Summary:

Working closely with Senior Credit Executives and Relationship Managers within the Commercial Banking office, the Credit Analyst will assist with the underwriting of new transactions or modifications, reviews, or renewals of existing transactions in the portfolio. This work includes the analysis of financial statements, preparation of projections or other models, identification of risks and mitigating factors, industry analysis and more. In addition, Credit Analysts will help support Senior Credit Executives with ongoing portfolio management tasks. Credit Analysts will be included in internal deal discussions with Credit Administration and other partners, as well as external discussions (and in person meetings as applicable) with clients and prospective clients.

Management or Supervision: No

Major Responsibilities:

  • Performs financial analysis on a wide range of transactions:

  • Analyzes financial results (50%)

  • Monitors and maintains assigned accounts (25%)

  • Prepares and sensitizes financial projections and projected cash flows (15%)



Education, Licensure, Year of Experience (and type of work experience):

  • Typically requires a four-year college degree (minimum) or equivalent job experience.

Knowledge, Skills, Abilities:

  • Knowledge of cash flow, intermediate accounting, credit analysis and documentation.

  • Strong communication and interpersonal skills.

  • Ability to write clear and concise presentations with limited assistance.

  • Ability to interface effectively with all support areas with limited guidance.

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 in employment decisions on the basis of any protected category.

A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it’s the bank’s policy to only inquire into a candidate’s criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.

Job: Credit

Primary Location: CALIFORNIA-Palo Alto

Schedule Full Time

Shift Day

Req ID: 10042659-WD