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 150,000 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: We're seeking an Associate to be part of our growing Portfolio Management Group (PMG). You will handle Portfolio Management credit coverage for Digital Infrastructure clients in the Technology, Media & Telecom (TMT) sector for investment grade and non-investment grade public and privately owned corporate borrowers. Portfolio coverage will include Commercial Real Estate Borrowers that develop, own and operate Digital Infrastructure. You will prepare detailed credit analyses as part of credit applications for new business as well as on-going reviews. Core responsibilities will include evaluating corporate, regulatory and industry risk, analyzing historical operating performance, developing operating cash flow and valuation projections, and assessing borrower capital structures. As an Associate, you will support the senior Portfolio Manager in the assessment of risk factors associated with each credit leading to an appropriate risk rating based on established policies and guidelines. You will support on-going portfolio management of existing bank exposure as well as underwriting and due diligence for new transactions. Primary responsibilities include analyzing risks and mitigants, including monitoring credits for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank’s net income while minimizing credit costs. Responsibilities: Perform due diligence and financial analysis on new transactions and on-going reviews for the Digital Infrastructure loan portfolio. Provide regular and organized communication to Portfolio Managers while coordinating between various stakeholders across the Bank to drive efficiencies within the Portfolio Management process. Maintain a high level of awareness regarding macroeconomic trends that impact particular sectors within the TMT vertical by utilizing internal and external information/news sources. Attend client and bank meetings when appropriate, more often telephonically. Participate in ad hoc projects as assigned. Advanced Credit/Underwriting Solutions: Support the prescreening of proposed transactions by identifying critical structural issues and risks and balancing institutional policy with business objectives. Work on structured credit transactions (including securitizations, supply chain finance, FX, Equity Margin facilities and leasing transactions). Support the Digital Infrastructure vertical through financial modeling of commercial real estate cash flows and property valuations. Prepare and present select Quarterly Watch List credits to senior credit officers. Policy and Deal Advocacy: Support the Senior Credit Officer, communicate with Relationship Managers and Portfolio Managers to problem solve and ensure transaction requests are acceptable within the risk appetite of the firm. Ensure compliance with internal policy and procedural requirements by understanding and adhering to USWB Operating Procedures, General Credit Policies for the Americas (GCP), and Procedures for Credit Ratings and Credit Rules. Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level on both a transaction and group level. Ensure compliance with policy and regulatory requirements, including timely completion of all assigned training courses. Skills & Experience: Minimum of 3 years of work experience within a financial institution accounting firm or rating agency analyzing corporate client's risk, credit profiles, cash flow projections and valuation with a focus on commercial real estate and/or digital infrastructure. A positive ‘can-do’ attitude with motivation to collaborate and partner within PMG, Credit and Relationship Managers contributing to a fast-paced and growing team. Strong financial spreading/modeling and analytical skills. Proficiency in Microsoft Word, PowerPoint and Excel Strong written, verbal and interpersonal communication skills with ability to work independently. Experience utilizing AI tools to assist in core job functions. Completion of a formal credit-training program at a bank preferred Bachelor’s degree, in Finance, Accounting, Business or Economics (working towards a CFA a plus). Compensation & Benefits: The typical base pay range for this role is between $130k-$155k depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain 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. For more information on our Total Rewards package, please click the link below. MUFG Benefits Summary We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any. 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 be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate 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. 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

Associate, Underwriting and Portfolio Management – TMT – Digital Infrastructure Commercial Real Estate.

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