Collateral Management - Commodity and Structured Trade Finance - Analyst or Associate (AVP)

Collateral Analyst

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. 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.

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

As a collateral analyst you'll support the commodity & structured trade finance business line in all aspects of transaction / collateral management, administration of credit facilities and risk analysis. 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 sheets, 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's / 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.

Skills & Experience

Compensation & Benefits

The typical base pay range for this role is between $95k-$135k depending on job-related knowledge, skills, experience and location with eligibility for 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.