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
The Real Estate Portfolio and Risk Analyst supports both the execution and portfolio management teams in support of MUFG's Japanese corporate clients and their subsidiaries with business operations in the United States. This role is designed for early-career professionals building expertise in commercial banking products and the real estate industry with a focus on the development, management, and delivery of banking products and solutions for Commercial Real Estate (CRE) clients, including owners, developers, investors, and operators. The Analyst partners closely with relationship managers, credit and enterprise risk, derivative, transaction banking, and audit/compliance teams to ensure products meet client needs, regulatory requirements, and internal risk standards.
Major Responsibilities
Portfolio Management (50%)
Support ongoing credit/risk monitoring through the timely completion of periodic loan reviews to identify and communicate to the Credit Division the credit quality of assigned portfolio.
Track financial performance updates and events impacting the assigned portfolio.
Monitor risk and exposure metrics across counterparties and the portfolio.
Process on-going construction loan draw requests in collaboration with both external and internal business partners to ensure conditions precedent have been met for funding.
Execution Management (40%)
Support analysis and approval processes for lending requests.
Produce concise and insightful credit memos, articulating recommendations for credit decisions.
Develop knowledge of legal documentation for markets and banking products.
Participate in team and department-level projects to improve processes and drive efficiencies.
Research market trends, competitive offerings, and client needs within commercial real estate sectors (multifamily, office, industrial, retail and homebuilder sectors).
Assist in preparing product presentations and placemat materials for internal and client-facing use.
Coordinate with internal business partners to drive ancillary revenue including derivatives and transaction banking,
Risk, Compliance & Controls (10%)
Assist in ensuring products comply with internal policies, regulatory requirements, and risk management standards prior to launch or modification.
Identify process inefficiencies and contribute to continuous improvement in governance and control frameworks.
Qualifications
Bachelor's degree in Finance, Business, Economics, Real Estate, or a related field.
1-3 years of relevant experience in commercial banking, real estate banking, product management, credit analysis, or a related financial services role.
Strong analytical, quantitative, and problem-solving skills.
Proficiency in Microsoft Excel, PowerPoint, and Word.
Effective written and verbal communication skills, with the ability to work across teams.
The typical base pay range for this role is between $82K - $99K 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 (https://careers.mufgamericas.com/sites/default/files/document/2023-01/mb-live-well-work-well.pdf)
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.
At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
Our Culture Principles
Client Centric
People Focused
Listen Up. Speak Up.
Innovate & Simplify
Own & Execute
