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.

The Analyst, Working Capital & Trade Finance (WCTF) role is a position focused on building the analytical, execution, risk management, and client-support capabilities needed to contribute across origination, structuring, implementation, and transaction monitoring. The Analyst supports senior team members in evaluating and executing new and existing WCTF transactions while developing a strong understanding of the Bank's working capital solutions, internal processes, and control framework.

The role requires accuracy, accountability, intellectual curiosity, and effective collaboration in a fast-paced environment. Analysts are expected to deliver high-quality work with appropriate guidance, manage assigned responsibilities and competing priorities, raise questions and issues promptly, and assume greater ownership as their product knowledge, judgment, and execution capabilities develop.

Responsibilities:

Transaction Analysis, Structuring & Execution

• Support the analysis, structuring, approval, implementation, and closing of new and existing WCTF transactions under the guidance of senior team members.
• Prepare accurate financial analyses, working capital assessments, transaction economics, ROE/RORA simulations, pricing and obligor limit analyses, deal sheets, and screening materials.
• Assess transaction risks, structural considerations, and key assumptions; identify inconsistencies and escalate questions with supporting analysis.
• Prepare term sheets, approval materials, presentations, implementation submissions, documentation inputs, and closing deliverables.
• Coordinate assigned workstreams, timelines, and follow-ups across internal stakeholders, promptly escalating risks, delays, or unresolved items.

Origination & Client Support

• Support client pitches, product proposals, peer analyses, and other marketing materials in partnership with senior Originators and Structurers.
• Research prospective clients, industries, and market developments to evaluate the applicability of WCTF solutions and inform transaction analysis.
• Participate in internal and external calls, prepare meeting materials and follow-up items, and support timely responses to Relationship Manager and client inquiries.
• Communicate pipeline and transaction updates for assigned opportunities clearly and accurately.
• Develop an understanding of client objectives, constraints, and transaction requirements while operating within the Bank's risk appetite.

Risk Management, Controls & Professional Accountability

• Perform responsibilities in accordance with applicable credit policies, regulatory requirements, KYC standards, internal controls, and the Bank's risk appetite.
• Support monitoring and reporting for assigned WCTF assets, including performance, utilization, obligor exposure, and transaction requirements; escalate deterioration, operational issues, or control concerns promptly.
• Apply disciplined quality control to all work products, ensuring information is accurate, complete, consistent, and appropriately supported.
• Identify and escalate potential credit, operational, compliance, information security, data integrity, or conduct issues and support timely remediation.
• Demonstrate accountability, reliability, sound judgment, and clear communication while managing multiple assignments and deadlines.
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Collaboration, Development & Process Improvement

• Collaborate effectively across WCTF, the broader Working Capital organization, and other functions throughout the Bank.
• Build product, credit, industry, market, legal documentation, systems, and execution knowledge and apply that learning to assigned responsibilities.
• Incorporate feedback, address knowledge gaps through training and self-study, and progressively assume greater ownership of assigned work.
• Contribute to process improvement, standardization, automation, artificial intelligence, and special projects that enhance efficiency, reporting quality, or risk management.
• Share knowledge and best practices to support team effectiveness and consistent execution.

Qualifications:

• Bachelor's degree from a four-year accredited institution, preferably with coursework in finance, accounting, economics, business, or a related field.
• Foundational financial analysis and modeling skills, with proficiency in Microsoft Excel and PowerPoint.
• Strong analytical and problem-solving capabilities, with the ability to learn new products, industries, systems, and transaction structures.
• Clear and professional written and verbal communication skills.
• Excellent organizational skills and the ability to manage multiple assignments, follow through on commitments, and meet deadlines with appropriate oversight.
• High attention to detail, commitment to data accuracy, and awareness of risk and control responsibilities.
• Collaborative mindset, intellectual curiosity, and willingness to seek guidance, incorporate feedback, and support team priorities.
• Prior internship or experience in banking, working capital, trade finance, structured finance, credit, corporate finance, or a related field is beneficial but not required.

The typical base pay range for this role is between $100K-$110K depending on job-related knowledge, skills, experience and location. This role will 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.