Associate Credit Officer
Mitsubishi HC Capital America, Inc., Norwalk, Connecticut, us, 06860
Associate Credit Officer at Mitsubishi HC Capital America, Inc.
Join to apply for the
Associate Credit Officer
role at
Mitsubishi HC Capital America, Inc. Mitsubishi HC Capital America, Inc. provided pay range
This range is provided by Mitsubishi HC Capital America, Inc.. Your actual pay will be based on your skills and experience talk with your recruiter to learn more. Base pay range
$90,000.00/yr $160,000.00/yr Position Overview
This individual will support the origination, structuring and execution of transactions, including private credit, project finance and asset?based lending. Responsibilities include preparing prescreen and deal approval memos, structuring transactions, conducting due diligence, financial modeling, reviewing documentation and closing transactions. Commitment To Internal Control
The incumbent establishes and maintains the internal control system for the essential duties and responsibilities of the functional areas managed. Essential Duties And Responsibilities Have a clear understanding of MHCAs credit policies and operational procedures. Evaluate new business transactions on a timely basis in collaboration with the origination teams. Focus on underwriting based on prior experience, preferably in private credit, project finance and/or asset?based lending; the incumbent will become familiar with all three segments over time. Assist in preparing the 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 during the diligence and documentation processes. Contribute to preparing a comprehensive underwriting memo, leading the financial modeling and sensitivity analysis, documenting compliance with underwriting guidelines and preparing the obligor rating. Participate in presenting the approval memo to delegation holders, including the credit committee. Monitor trends across targeted industry sectors to support deal origination. Proactively monitor obligor financial performance and identify any adverse trends for 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.
KPIs (Key Performance Indicators)
Deals evaluated Deals completed (fundings, assets, and fee income) Credit analysis quality Portfolio performance
Management/Supervisory Responsibilities
Not applicable
Responsibility And Decision-Making Authority
Credit assessment, structure, and transaction communication must follow company guidelines. Act independently; decision making within company policy.
Qualifications
Knowledge, Skills, and Abilities: Extensive knowledge of credit evaluation, financial, collateral, and cash flow analysis. Advanced skills in cash flow modeling for 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 industry dynamics and how economic conditions impact credit quality and structure. Time management: ability to organize and manage multiple priorities and complete tasks on time.
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
Bachelors 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
Not applicable
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 4045 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. The position is exempt and the salary will be between $90,000.00 and $160,000.00 with an opportunity to earn a discretionary annual bonus. The salary range is determined and based on internal equity, market data/ranges, applicants skills, prior relevant experience and education. Additional 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
Seniority level
Executive
Employment type
Full?time
Job function
Finance and Sales
Referrals increase your chances of interviewing at Mitsubishi HC Capital America, Inc. by 2x. Norwalk, CT $90,000.00$150,000.00 Stamford, CT $90,000.00$160,000.00 Norwalk, CT $90,000.00$150,000.00 Regional Credit Manager - New York Metro Area Stamford, CT $66,200.00$121,800.00 Fairfield County, CT $120,000.00$150,000.00 #J-18808-Ljbffr
Join to apply for the
Associate Credit Officer
role at
Mitsubishi HC Capital America, Inc. Mitsubishi HC Capital America, Inc. provided pay range
This range is provided by Mitsubishi HC Capital America, Inc.. Your actual pay will be based on your skills and experience talk with your recruiter to learn more. Base pay range
$90,000.00/yr $160,000.00/yr Position Overview
This individual will support the origination, structuring and execution of transactions, including private credit, project finance and asset?based lending. Responsibilities include preparing prescreen and deal approval memos, structuring transactions, conducting due diligence, financial modeling, reviewing documentation and closing transactions. Commitment To Internal Control
The incumbent establishes and maintains the internal control system for the essential duties and responsibilities of the functional areas managed. Essential Duties And Responsibilities Have a clear understanding of MHCAs credit policies and operational procedures. Evaluate new business transactions on a timely basis in collaboration with the origination teams. Focus on underwriting based on prior experience, preferably in private credit, project finance and/or asset?based lending; the incumbent will become familiar with all three segments over time. Assist in preparing the 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 during the diligence and documentation processes. Contribute to preparing a comprehensive underwriting memo, leading the financial modeling and sensitivity analysis, documenting compliance with underwriting guidelines and preparing the obligor rating. Participate in presenting the approval memo to delegation holders, including the credit committee. Monitor trends across targeted industry sectors to support deal origination. Proactively monitor obligor financial performance and identify any adverse trends for 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.
KPIs (Key Performance Indicators)
Deals evaluated Deals completed (fundings, assets, and fee income) Credit analysis quality Portfolio performance
Management/Supervisory Responsibilities
Not applicable
Responsibility And Decision-Making Authority
Credit assessment, structure, and transaction communication must follow company guidelines. Act independently; decision making within company policy.
Qualifications
Knowledge, Skills, and Abilities: Extensive knowledge of credit evaluation, financial, collateral, and cash flow analysis. Advanced skills in cash flow modeling for 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 industry dynamics and how economic conditions impact credit quality and structure. Time management: ability to organize and manage multiple priorities and complete tasks on time.
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
Bachelors 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
Not applicable
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 4045 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. The position is exempt and the salary will be between $90,000.00 and $160,000.00 with an opportunity to earn a discretionary annual bonus. The salary range is determined and based on internal equity, market data/ranges, applicants skills, prior relevant experience and education. Additional 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
Seniority level
Executive
Employment type
Full?time
Job function
Finance and Sales
Referrals increase your chances of interviewing at Mitsubishi HC Capital America, Inc. by 2x. Norwalk, CT $90,000.00$150,000.00 Stamford, CT $90,000.00$160,000.00 Norwalk, CT $90,000.00$150,000.00 Regional Credit Manager - New York Metro Area Stamford, CT $66,200.00$121,800.00 Fairfield County, CT $120,000.00$150,000.00 #J-18808-Ljbffr