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Employment
AVAILABLE POSITION
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Showcase Employer
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Showcase Employer
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phone:
952-826-7867
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Mitsubishi HC Capital America
800 Connecticut Ave.
Norwalk, CT 06854
Phone:
952-826-7867
website:
www.mhccna.com/en-us
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Associate Credit Officer
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Location: Norwalk, CT or Auburn Hills, MI
Position Overview:
This individual will be responsible for supporting the origination, structuring, and execution of transactions, including private credit, project finance, and asset-based lending. Assists in the preparation of prescreen and deal approval memos, transaction structuring, due diligence, financial modeling, documentation review, and transaction closing.
Commitment to Internal Control:
The incumbent accepts the responsibility for establishing and maintaining the internal control system associated with the essential duties and responsibilities of the functional areas that the incumbent manages.
Essential Duties and Responsibilities:
- Have a clear understanding of MHCA’s credit policies and operational procedures.
- Evaluate new business transactions on a timely basis in collaboration with the origination teams.
- Specific underwriting focus based on prior experience, preferably in private credit, project finance and/or asset-based lending. The incumbent is expected to become familiar with all three segments over time.
- Assist in preparation of initial prescreen memo, including company overview, financial analysis, valuation work, and diligence items.
- Coordinate with sponsor contacts, borrower management team, agent banks, transaction advisors, external counsel, and other third-party resources as part of the diligence and documentation processes.
- Contribute to the preparation of a comprehensive underwriting memo, including leading the financial modeling and sensitivity analysis, as well as documenting compliance with underwriting guidelines and preparation of the obligor rating.
- Participate in presentation of the approval memo to delegation holders, including credit committee.
- Monitor trends across targeted industry sectors to support deal origination.
- Proactively monitor obligor financial performance and identify any adverse trends to senior management.
- Work with portfolio manager to onboard new clients for funding procedures and reporting requirements.
- Assist portfolio managers in reviewing credit amendment requests for existing clients.
- Manage Salesforce records and information files for pipeline transactions.
KPI’s (Key Performance Indicators):
- Deals evaluated
- Deals completed (Fundings, Assets, and Fee Income)
- Credit analysis quality
- Portfolio performance
Management/Supervisory Responsibilities:
Responsibility and Decision-Making Authority:
- Credit assessment, structure, and transaction communication needs to be within company-prepared guidelines.
- Act independently; Decision-making within Company policy.
Qualifications:
- Extensive knowledge of credit evaluation, financial, collateral, and cash flow analysis.
- Advanced skills in cash flow modeling for either corporate or project finance transactions.
- Knowledge of structuring, underwriting, and documentation practices related to asset-based lending, private credit or project finance.
- Advanced technical skills (Excel, PowerPoint, Word, etc.).
- Excellent verbal and written communication skills.
- Understanding of multiple industry dynamics and how economic conditions impact credit quality and structure.
- Time Management: ability to organize and manage multiple priorities and complete on a timely and accurate basis.
Competencies:
Thinking Skills
- Analytical ability
- Ability to synthesize
- Problem-solving
Communications
- Ability to transmit information
- Ability to listen
Interpersonal Relationships
- Ability to work in a Team
- Technical and Professional
- Detail-oriented
- Ability to work independently
Personal Qualities
- Action-oriented
- Resilient
- Adaptability
- Self-starter
Entrepreneurship
- Business Acumen
- Client-oriented
Education and Experience:
- Bachelor's degree from a four-year college or university.
- CFA candidate Level II/III or charter holder preferred.
- Formal credit training, including financial modeling training (corporate finance or project finance).
- 3+ years of experience in commercial lending.
Licensing and Certification:
Tools and Equipment Used:
- Personal computer, copier, phone, and other typical office equipment
Working Hours:
- Hours may vary and will require some evening work; frequently requires working 40–45 hours/week depending on business needs.
Travel:
- Occasional travel related to transactions and attendance at industry seminars.
Physical Demands:
- Digital dexterity and hand/eye coordination in operation of office equipment
- Light lifting and carrying of supplies, files, etc.
- Ability to speak to and hear customers and/or other employees via phone or in person
- Body motor skills sufficient to enable incumbent to move from one office location to another
The job description does not constitute an employment contract, implied or otherwise, other than an “at will” relationship and is subject to change by the employer as the needs of the employer and requirements of the job change.
To apply via the LinkedIn Easy Apply link: Click Here
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