Portfolio Management Structured Fin. & Leasing
About the position
This individual will be responsible for the day-to-day management of a portfolio of the Structured Finance and Leasing relations of Mitsubishi HC Capital America, Inc. (MHCA). Daily activities will be centered in the monitoring and management of the portfolio including the preparation of credit underwriting memos in support of amendments, modifications, and extensions of existing client facilities. Key areas of focus will be the management of credit risk, the monitoring of compliance, preparation of internal reporting, and the maintenance and monitoring of client and agent bank relationships. This position will collaborate closely with the underwriting team, Chief Credit Officer, and sales team to maintain acceptable credit loss exposure, provide superior customer service and client retention.
Commitment to Internal Control:
This position is required to possess a comprehensive understanding of and adhere to the system of internal controls associated with the fundamental duties and responsibilities of the role. This includes compliance with SOX and all other pertinent regulatory and compliance policies and requirements.
Responsibilities
• Have a clear understanding of Structured Finance’s credit policies and operational procedures.
• Proactively identify adverse client trends and take necessary steps toward positive resolution and minimize credit loss exposure. Determine appropriate risk rating for each borrower while ensuring timely rating changes as needed.
• Manage credit analysts and junior portfolio manager for this portfolio.
• Prepare trend cards as needed and aid in the preparation and presentation of the quarterly portfolio reviews on a quarterly basis or more frequently as needed.
• Perform the necessary due diligence in the preparation of credit underwritings in support of amendments, modifications, and extensions of existing clients.
• Attend bank meetings in person or via teleconference as needed.
• Coordinate with agent banks to confirm covenant and financial reporting is in accordance with loan document requirements.
• Understanding of multiple industry dynamics and how economic conditions impact credit quality and transaction structure.
• Work with underwriters to ensure smooth transition of onboarding new business.
• Assist with the underwriting of new business as needed.
Requirements
• Experience with syndicated credits, ABL loan products, along with underwriting, structuring, and documentation requirements related to senior secured lending products.
• A strong understanding of financial statements (audits, tax returns, accountant prepared statements, etc.) and their analysis.
• Strong computer software skills (Excel, Word, PowerPoint, Salesforce)
• Excellent interpersonal, organizational, verbal, and written communication skills.
• Time Management: ability to organize and manage multiple priorities at once.
• Team player with positive attitude who understands role and how it relates to overall company success factors and keeps commitment to others.
• Detail oriented.
• BS in Accounting, Finance or Economics or equivalent experience
• Experience with private credit transactions
• Experience with private credit, syndicated credits, and portfolio management
• Experience in Asset Based or Cash Flow Lending transactions
• 10+ years minimum experience in commercial or ABL specific lending
Nice-to-haves
• Experience with renewable energy projects helpful
Benefits
• Medical, Dental, and vision plans
• 401(k) and matching
• Paid Time Off
• Company Paid Life Insurance
• Employee Assistance Program
• Training and Development Opportunities
• Employee Discounts
Apply Now
Apply Now
This individual will be responsible for the day-to-day management of a portfolio of the Structured Finance and Leasing relations of Mitsubishi HC Capital America, Inc. (MHCA). Daily activities will be centered in the monitoring and management of the portfolio including the preparation of credit underwriting memos in support of amendments, modifications, and extensions of existing client facilities. Key areas of focus will be the management of credit risk, the monitoring of compliance, preparation of internal reporting, and the maintenance and monitoring of client and agent bank relationships. This position will collaborate closely with the underwriting team, Chief Credit Officer, and sales team to maintain acceptable credit loss exposure, provide superior customer service and client retention.
Commitment to Internal Control:
This position is required to possess a comprehensive understanding of and adhere to the system of internal controls associated with the fundamental duties and responsibilities of the role. This includes compliance with SOX and all other pertinent regulatory and compliance policies and requirements.
Responsibilities
• Have a clear understanding of Structured Finance’s credit policies and operational procedures.
• Proactively identify adverse client trends and take necessary steps toward positive resolution and minimize credit loss exposure. Determine appropriate risk rating for each borrower while ensuring timely rating changes as needed.
• Manage credit analysts and junior portfolio manager for this portfolio.
• Prepare trend cards as needed and aid in the preparation and presentation of the quarterly portfolio reviews on a quarterly basis or more frequently as needed.
• Perform the necessary due diligence in the preparation of credit underwritings in support of amendments, modifications, and extensions of existing clients.
• Attend bank meetings in person or via teleconference as needed.
• Coordinate with agent banks to confirm covenant and financial reporting is in accordance with loan document requirements.
• Understanding of multiple industry dynamics and how economic conditions impact credit quality and transaction structure.
• Work with underwriters to ensure smooth transition of onboarding new business.
• Assist with the underwriting of new business as needed.
Requirements
• Experience with syndicated credits, ABL loan products, along with underwriting, structuring, and documentation requirements related to senior secured lending products.
• A strong understanding of financial statements (audits, tax returns, accountant prepared statements, etc.) and their analysis.
• Strong computer software skills (Excel, Word, PowerPoint, Salesforce)
• Excellent interpersonal, organizational, verbal, and written communication skills.
• Time Management: ability to organize and manage multiple priorities at once.
• Team player with positive attitude who understands role and how it relates to overall company success factors and keeps commitment to others.
• Detail oriented.
• BS in Accounting, Finance or Economics or equivalent experience
• Experience with private credit transactions
• Experience with private credit, syndicated credits, and portfolio management
• Experience in Asset Based or Cash Flow Lending transactions
• 10+ years minimum experience in commercial or ABL specific lending
Nice-to-haves
• Experience with renewable energy projects helpful
Benefits
• Medical, Dental, and vision plans
• 401(k) and matching
• Paid Time Off
• Company Paid Life Insurance
• Employee Assistance Program
• Training and Development Opportunities
• Employee Discounts
Apply Now
Apply Now