Vice President, Credit Solutions, Growth & Middle Market Technology

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

A technical expert known internally and externally as a reliable, knowledgeable resource, responsible for evaluating and underwriting loans and other credit exposures to Growth and Middle Market Technology companies.
Supporting Growth & Middle Market Credit Solutions transaction, origination, and credit analysis efforts. This includes origination, loan structuring, navigating the credit approval process, and managing the credit exposure within portfolios.
KEY RESPONSIBILITIES

Take responsibility for ensuring delivery of high-quality output from the team – credit applications, financial modelling, analysis, and structuring
Own deal execution process from start to finish – leads due diligence, conversations with credit approvers, structuring, underwriting, negotiation of legal documents, and leveraging the broader team as necessary
Assume portfolio management responsibilities for a defined portfolio in accordance with the bank’s policies and procedures
Support the preparation of detailed credit analyses and required credit applications 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
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
Proactively identify potential debt opportunities through research and analytics, partnering with Relationship Management / Coverage Team
Work closely with internal stakeholders, notably Credit, Leveraged Finance, Sponsor Coverage, Leveraged Capital Markets, and internal support teams including Compliance and Audit to promote the strategic mission of GMMT and to ensure the continued good standing of the team within the bank
Coach and oversee junior talent and review work as necessary
Policy and Transaction Responsibilities:

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
WORK EXPERIENCE AND SKILLS

Significant experience in financial institutions or equivalent credit risk related function,
Experience in transacting European private equity sponsor-backed leveraged finance transactions (with exposure to analysing technology companies preferable).
Functional / Technical Competencies:

Detailed understanding and expertise in sub-investment grade credit analysis, cash flow modelling and documentary negotiation (incl. leveraged).
Sound understanding of banking products (loans, bonds, private placement, ABL lines) as well as DCM, M & A market and its dynamics
Advanced understanding of deal structuring principles
Demonstrable negotiation skills with internal partners and external counterparties
Corporate finance principles/accounting knowledge
Can demonstrate existing relationships with capital markets and equity investment professionals within the private equity industry.
Excellent presentation and negotiation skills.
PERSONAL REQUIREMENTS

Results driven, with a strong sense of accountability
Interest and desire to deepen knowledge of the technology sector, including key trends
Demonstrates a structured, proactive, motivated and logical approach to work
Team player who will roll up their sleeves to deliver seamless execution
In-depth knowledge of all elements of credit and risk principles
Demonstrated capability to independently handle complex transactions, sensitive borrowers
Strong written, verbal, and interpersonal skills
Strong financial modelling skills required
Strong decision making skills, the ability to demonstrate sound judgement
Ability to operate with urgency, manage large workloads, multiple stakeholders and tight deadlines when needed
Strong problem-solving and numerical skills
Excellent attention to detail and accuracy
A calm approach, with the ability to perform well and prioritise work in a pressurised environment
Excellent Microsoft Office skills
Proficiency in English, other languages desirable