Do you want your voice heard and your actions to count?

　　Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 7th largest financial group in the world. Across the globe, we’re 120,000 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.

　　This is a hybrid position. The selected colleague will work at an MUFG office or client sites up to four days per week and work remotely the remaining day(s). A member of our Talent Acquisition team will provide more details.

　　Summary:

　　The Collateral Analyst role is an entry level position that is responsible for providing optimal support to the Commodity & Structured Trade Finance business line in all aspects of transaction / collateral management, administration of credit facilities and risk analysis. The emphasis is on physical collateral / commodities with trading companies, as opposed to capital markets collateral (e.g. securities).

　　While this position is entry level and open to new professionals in the fields of Finance, Risk, Compliance, or related fields, you must already possess a basic understanding of banking and financial concepts.

　　The primary responsibilities include maintaining a portfolio of committed and uncommitted credits by coordinating with relationship managers, portfolio managers, product partners and operations departments to facilitate the booking of credit facilities and execution of daily financing activities (loans, LCs, payments, receivable purchases, bills of exchange discounting, etc.), and managing related risks through ongoing analysis and monitoring of the bank’s collateral.

　　Responsibilities:

　　Daily interaction with clients, relationship managers, portfolio managers, trade service operations, loan operations, and other internal departments as required.

　　Monitor transactional and related collateral to ensure client positions are within approved limits

　　Review borrowing / LC / payment / receivable purchase requests, and coordinate with back/middle office for the execution of transactions. Address a borrower's inquiries.

　　Review term sheet, draft agreements/amendments, credit approval and write-up. Participate in deal discussions, and coordinate with back/middle office for closing a facility.

　　For agency deals, monitoring credit facilities (i.e. credit limit, sub-limits, intra-day activities, etc.). Validate borrower's requests and provide approval. Address lender/borrower's inquiries. Facilitate LC reconciliation process with issuing bank/back office/borrower.

　　Analyze borrowing base prepared/provided by clients (i.e. review supporting detail, verify advance rate calculations, verify mark-to-market pricing for inventory, ensure that accounts receivable are within approved lender limits.) Observe trends and understand the business cycles. Discuss any discrepancies or deviations with relationship manager and the team leader of CMG.

　　For secured transactional facilities, review of individual transaction requests (loans and LCs) in conjunction with monitoring of collateral by analyzing and interpreting underlying collateral (inventory/receivables/Bills of Lading, etc), review of commercial contracts and verification of underlying commodity prices.

　　Review and analyze position reports and mark-to-market reports. Discuss any discrepancies or deviations with relationship manager and the team leader of CMG.

　　Assess the Bank’s exposure and provide timely alerts to relevant parties of adverse developments or deterioration in the risk profile.

　　Qualifications:

　　Undergraduate degree in Finance or related business field or equivalent work experience.

　　1-3 years of work experience within a financial institution. A solid understanding of corporate finance, accounting, trade finance products (e.g. letter of credit, receivable purchase, bill of exchange discounting, etc.), and banking operations is desirable.

　　Previous experience with trade finance, commodities lending and/or commodities collateral management at a commercial bank is desirable.

　　Working knowledge of the systems utilized by the bank is a plus: ACBS, OVS, Trade 360, LoanApp.

　　Team player with intellectual curiosity; Ability to work independently and under pressure; Strong, proactive problem solving and communication skills; Good analytical skills; Proactive attitude, flexible, critical thinker and results driven.

　　Intermediate computer skills in Microsoft Word/Access/Excel

　　The typical base for this role is between $100,000 to $110,000 depending on job-related knowledge, skills, experience, and location. 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 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)

　　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 practice affirmative action to diversify our workforce by engaging in the targeted recruiting of under-represented groups and are firmly committed to equal employment opportunity and to fully complying with Federal, State, and local laws that prohibit employment discrimination 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.

　　#LI-Hybrid

　　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