2027 Corporate, Investment Banking and Markets (CIB&M) Full-Time Analyst Program – Restaurant & Hospitality Finance | San Diego/ Atlanta/ Boston

About the role

Full-time analyst role supporting MUFG’s Restaurant & Hospitality Finance team in credit analysis, transaction origination, portfolio management and financing execution. Analysts work with coverage, capital markets and syndications teams, developing financial models, evaluating risk, supporting client pitches and managing transactions for restaurant, fitness and hotel businesses.

Program Details

• Program begins in June and provides recent graduates with hands-on experience in global finance.
• Analysts join a specific group and develop skills through deal support and client-focused projects.
• Primary hiring location is San Diego; secondary locations are Atlanta and Boston.
• Selected colleagues work in an MUFG office or client site four days weekly and remotely one day.
• Analysts receive instruction and mentorship from MUFG professionals at multiple levels.

Responsibilities

• Support credit analysis, transaction due diligence and ongoing management of the Restaurant & Hospitality Finance portfolio.
• Evaluate, structure and negotiate financing terms, credit agreements and appropriate transaction risk ratings.
• Prepare credit analyses, applications, quarterly reviews, call reports and senior management reporting.
• Build financial models and assess company performance, capital structure, industry conditions and regulatory risks.
• Support client pitches, meetings, syndication strategies, lender presentations and financing structure development.
• Coordinate closing, compliance, KYC, legal due diligence, committee approvals and related organizational communications.

Team Focus

• RHF finances restaurant and fitness franchisors, operating companies and franchisees, plus mid-sized hotel franchisees.
• The team focuses on quick-service, fast-casual and high-value, low-price national restaurant brands.
• Advanced work may include leveraged capital markets, derivatives, margin lending and receivables securitizations.
• Analysts help minimize credit costs while maximizing bank net income through active credit management.

Requirements

• Bachelor’s degree and undergraduate graduation in Spring 2027 are required.
• Knowledge of accounting and corporate finance, with strong financial modeling capabilities.
• Relevant experience analyzing corporate customers in financial institutions or equivalent credit-risk functions.
• Strong written, verbal and interpersonal communication skills, with independent and collaborative working ability.
• Proficiency in Microsoft Excel, PowerPoint and Word, with strong technological aptitude.
• Applicants must be authorized to work permanently in the United States.

Preferred Qualifications

• GPA of 3.3 or above is preferred.
• Relevant coursework in finance, accounting or economics is recommended.
• CFA candidacy is a plus.