Associate, Credit Solutions - Growth & Middle Market Technology
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Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
OVERVIEW OF THE DEPARTMENT/SECTION
Growth & Middle Market Technology Banking is a specialised team dedicated to building lead relationships through delivering sound, strategic, and balanced advice to technology companies within the growth (typically emerging cashflow / Venture Capital backed) and middle markets (Public / Private Equity backed) across EMEA.
The mission for this team is to:
Deliver in-depth technology industry knowledge, with a focus on industry trends, dynamics, and the competitive landscape.
Build a diverse book of technology clients across targeted ownership structures through origination, structuring and execution of senior debt facilities and associated ancillary products.
Provide access to an industry specialised credit organisation, delivering faster decisions to the client.
Align relationships within GMMT with all product partners.
Leverage MUFG’s advanced technology partnerships, innovation, strategic & commercial capital teams.
Engage with venture capital firms, private equity sponsors, debt advisors, c-suite of target companies and access partnerships with other debt providers in the market.
MAIN PURPOSE OF THE ROLE
Primary support for evaluating and underwriting loans and other credit exposures to Growth and Middle Market Technology Companies.
Supporting Growth and Middle Market Credit Solutions transaction, origination and credit analysis efforts. Critical functions include assessing risk factors associated with each credit and determining the appropriate risk ratings based on established policies and guidelines.
Responsibilities will also include modelling, active credit management and monitoring for potential upgrades, downgrades or general credit deterioration with the goal of maximising the bank’s net income while minimising credit costs.
KEY RESPONSIBILITIES
Support all aspects of deal execution as may be required during the development and execution of a mandate.
Work within a deal team environment to support the credit analysis and management of both new to bank transactions and portfolio companies in accordance with internal policies and regulatory guidance, including the evaluation of company-specific, industry, and regulatory risks; and company historical operating performance, projected operating performance and capital structure
Perform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolio
Provide support for evaluating, structuring and negotiating terms and credit agreements with clients
Modelling skills (including sensitivity scenarios) required for both the credit application process and quarterly review presentations
Provide support for the syndication strategy, including lender presentations and liaison with participant lenders, and participate in client and bank meetings as necessary
Understand and maintain knowledge of sub-sectors represented in portfolio, including technical aspects and regulatory issues utilising internal and external sources
Oversight of facility closing procedures including both operations and documentation
Build relationships throughout MUFG to establish a peer network, gather relevant information and help to ensure effective inter-departmental collaboration.
Build relationships at the appropriate business levels to create and maintain trust with corporate clients, venture capital / private equity funds and partner banks on transactions.
Work collaboratively across the wider team to support the various functions as and when the need arises.