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MUFG Union Bank Business Banking Business Development Officer, Vice President (Walnut Creek) in 200 Pringle Avenue,

Are you passionate about creating an exceptional client experience?

Discover your opportunity with Union Bank®, a division of the Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world. At Union Bank, we have our clients’ best interest in mind and draw on more than 160 years of experience to understand their distinct needs to tailor our solutions. We’re part of 180,000 colleagues around the globe striving to be the world’s most trusted financial group, knowing that trust starts with a culture of putting people first and empowering you to achieve your potential.

Join Union Bank, where being inspired is expected and creating results is rewarded.

This is a hybrid position. There are flexible work from home options available. A member of our recruitment team will discuss the options with you in more detail.

Job Summary:

Responsible for originating new C&I operating business relationships with a focus on developing new business loans/lines, new business deposits, and non-interest income.

Target Segment: The BDO shall have a primary focus on targeting operating companies with annual revenues of $10 to $50 million.

Management or Supervision : No

Major Responsibilities:

  • Spends the majority of their time calling on prospects, referral sources, and Centers of Influence to develop new business, expand the client base, and create a network of prospects from the center of influence clients.

  • Responsible for generating loans, deposits, and fee income from Business Banking prospective clients.

  • Responsible for acquiring new business households\relationships and making appropriate introductions to partner groups. Primary outside sales focus includes demand deposit/operating accounts, treasury management and other payments services, Business Loans, Business Lines of Credit, Commercial Real Estate Loans, and various other business banking products and services.

  • Analyzes business financial data and submits complete credit packages in partnership with relationship managers, to the BBCOE Credit Center for underwriting.

  • Uses discretion to determine when to make sales calls in conjunction with the business banking relationship managers and other strategic partners to cross-sell.

  • Manages the pipeline of active and viable leads, including determining which prospects to call on, and the priority and scheduling of calls.

  • Maintain a list of at least 250 active prospects. Consistent contact with COIs to access opportunities, and follow up as appropriate.

  • Continually identify new prospects and develop and present effective marketing approaches to prospects, primarily through, telephone, email, and virtual as well as on-site visits. Fully document prospecting and customer activity in the Salesforce CRM platform.

  • Partner with other business lines as appropriate.

  • Plan long-term and short-term business objectives, including preparing and updating business plans.

  • Effectively uncover and assess prospects' needs and financial status to provide accurate and suitable credit and other product advice and recommendations.

  • Clearly communicate the application and credit decision process.

  • Proactively following up on credit and other documentation requirements.

  • Act as liaison between BBCOE Commercial Credit Center and prospect/client.

  • Provide recommendations about possible appeals of credit denials.

  • Stay informed as to current underwriting guidelines.

  • Provide expertise on business credit issues to branch personnel.

  • Complete all required training as it relates to the position as well as be responsible for all appropriate assessments and certifications.

Qualifications:

  • 5+ years of Business Development experience or related business lending experience and/or deposit and cash management sales experience required.

  • Established base of Centers of Influence (COIs).

  • Direct work experience and knowledge of credit products and processes are required (i.e., Commercial/Business Loans or Lines of Credit).

  • Strong understanding of product profitability of banking products.

  • A Strong customer-focused individual with good interpersonal skills and communication skills.

  • Ability to work independently under only general supervision.

  • Bachelor's Degree in Finance or related field, or equivalent work experience required.

  • Preferred: credit analysis or financial analysis experience related to business lending is preferred.

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.

We are proud to be an Equal Opportunity / Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives, and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate in employment decisions on the basis of any protected category.

Some MUFG roles require that individuals be fully vaccinated against COVID-19, subject to exemptions for medical or religious reasons, as well as any other reason required by applicable law or order. Should you be selected for an interview, your recruiter will provide additional information.

At Union Bank, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend some time reviewing them!

Our Culture Principles

  • Client Centric

  • People Focused

  • Listen Up. Speak Up.

  • Innovate & Simplify

  • Own & Execute

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