Mitsubishi HC Capital America, Inc. · 1 month ago
Associate Credit Officer
Norwalk, CT
Full-time
Hybrid
Mid Level
$90K/yr - $160K/yr
3+ years expMitsubishi HC Capital America, Inc. is seeking an Associate Credit Officer to support the origination, structuring, and execution of transactions in private credit and project finance. The role involves evaluating new business transactions, assisting in financial modeling, and contributing to underwriting processes.
CommercialFinanceFinancial ServicesLending
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 and 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 documentation of 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
Qualification
Required
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
Bachelor's degree from a four-year college or university
3+ years of experience in commercial lending
Preferred
CFA candidate Level II/III or charter holder preferred
Formal credit training, including financial modeling training (corporate finance or project finance)
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
Company
Mitsubishi HC Capital America, Inc.
Mitsubishi HC Capital America, Inc.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Mark Duncan
Executive Vice President and Chief Operating Officer
Daniel Harari
Senior Vice President
Recent News
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