Associate Credit Officer

Associate Credit Officer at Mitsubishi HC Capital America, Inc.

Join to apply for the Associate Credit Officer role at Mitsubishi HC Capital America, Inc.

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.

$90,000.00/yr – $/yr

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.

The incumbent establishes and maintains the internal control system for the essential duties and responsibilities of the functional areas managed.

• 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.
• 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.

• Deals evaluated
• Deals completed (fundings, assets, and fee income)
• Credit analysis quality
• Portfolio performance

• Not applicable

• Credit assessment, structure, and transaction communication must follow company guidelines.
• Act independently; decision making within company policy.

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.

• 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

• 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

• Not applicable