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 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.
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
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.
