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MUFG Union Bank Credit Associate- Hybrid in Irvine, California

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world. Across the globe, we’re 180,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.

Join MUFG, where being inspired is expected and making a meaningful impact 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:

The Business Credit Center of Excellence Group (BCCOE) provides centralized underwriting and portfolio support for the Bank's Private Bank/Private Wealth, Business Banking, Retail, and SBA lending groups. Credit Associates perform work - primarily spreadsheeting - within this high volume work environment.

The Credit Associate position is entry-level and aims to build basic credit experience through the performance of repetitive tasks for the above portfolios. Work performed by the Credit Associates is reviewed and used by Credit Executives, who may provide coaching, mentoring and constructive feedback about work quality.

Credit Associates who have demonstrated satisfactory job performance and have successfully completed all training classes required for entry to the Bank's Commercial Credit Training Program are eligible to interview for sponsorship positions within the Commercial Banking or specialized lending groups.

Major Responsibilities:

Analytical and Loan Management support: 80% • Spreadsheeting of prospect and borrower financials in Risk Analyst ("RA") and Excel. Spreadsheeting of prospect and existing guarantor personal financial statements and tax returns in RA and Excel. Spreadsheeting of projections in RA. Monitor financial covenants and/or liquidity, for compliance with terms of credit agreements. Monitor collateral eligibility for credits with borrowing base structures.

Prepare trend cards - Necessary follow-up and communication with CE's and RM's 2. Attend training classes and perform required certifications: Pre-requisites for the Bank's Commercial Credit Training Program, including Commercial Credit for Lenders and Intermediate Accounting.

Special projects and Peer training: Provide support to various BCCOE special projects as requested or necessary, including additional peer training responsibilities. Projects for Credit Executives: Partial / Full credit and financial analysis of borrowers, guarantors and vendor. Preparation of Administrative Action reports and full CRS drafts. Draft Problem Loan and Watchlist reports.

PRIMARY MEASUREMENTS : Accuracy Completion of tasks with turnaround targets / Service Level Agreements. Efficient prioritizing of tasks and workload balancing to achieve high priorities.


  • Bachelor's Degree, preferably with business related major (Accounting, Economics or Finance major preferred).

  • Minimum cumulative GPA of 3.0 required.

  • Interpersonal and analytical abilities

  • strong organization, time management and computer skills required

  • knowledge of MS Word, Excel and Internet proficiency.


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 on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual’s associates or relatives that is protected under applicable federal, state, or local law.