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MUFG Union Bank Credit Executive - Business Banking- 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.

Limited Time Only:

This role is eligible for a $5,000 sign-on bonus for offers accepted by 5/1/2022!

Some MUFG roles require that individuals be fully vaccinated against COVID-19, subject to medical and/or religious exemptions, if applicable. Should you be selected for an interview, your recruiter will provide additional information.

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.

Major Responsibilities:

70% - Credit Underwriting - Analyze, evaluate, structure and approve loan requests from Development Officers and Client Advisors. Responsible for structuring of transactions, including collateral terms, pricing, etc. Structure loan packages using discretion with terms, PG & LGD ratings, down payment, amortization, financial covenants, reporting requirements, etc, as deemed appropriate to each unique package.

Determine financial spread, borrowing base. Perform financial analysis and risk assessment; prepare loan presentations. Analysis includes real estate, financial statements, personal statements, cash flow, global analysis, credit investigation, due diligence on industry, management, prospects. Call on customers and prospects jointly with Sales. Assure that the Bank’s Risk Management and internal policies and procedures are being adhered and waived as appropriate. Ability to negotiate with Senior calling officers and customers and ability to present critical credit and risk items to the Chief Risk Officer and associated governance groups.

15% - Loan Packaging - Ensure loan documentation reflects approvals and protects bank, Legal and regulatory requirements. Regular interface expected with legal, loan operations, senior management and customers.

5% - Portfolio Management - Responsible for portfolio management of a complex diverse commercial portfolio. Handle substitution of collateral requests and term modification requests. Collect and analyze information which reflects and supports the creditworthiness of current customers and the merits of existing loans; prepare financial spreads and notify the Department Manager of any material trends that are negative. Ensure portfolio is monitored and reflects legal contracts with individual borrowers and represents compliance with internal and external requirements. Variance must reflect substantiated and appropriate approvals.

10% - Other - Participate as needed in the Credit Examination process to achieve a satisfactory examination. Keep abreast of new developments in the field and changing government regulations; Interfaces with customers and staff members in a courteous and efficient manner; Perform other related duties as assigned. Ability to analyze portfolios from a credit worthiness and viable/ROI perspective.

Familiar with spreading systems and methodologies, asset rating theory and classification risk mitigation. Standard knowledge of cash flow, financing accounting, credit analysis and documentation required. Effective listening, verbal, and written communication skills required. College degree with working practicable understanding of portfolio management procedures and protocols or job equivalent work experience with completion of commercial loan training program. We are committed to leveraging the diverse backgrounds, perspectives and experiences of our workforce to create opportunities for our people and our business. Equal Opportunity Employer: Minority/Female/Disability/Veteran.


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.