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MUFG Union Bank Commercial Real Estate Senior Credit Manager Director - Remote - California in Sacramento, 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 $15,000 sign-on bonus for offers accepted by 7/1/2022!


Responsible for the performance of due diligence services for use by the Bank in support of real estate-related lending transactions for BBG (SBA) and Private Bank/Wealth, including new originations, renewals, and asset monitoring. Delivery of due diligence services in a cost effective and timely manner. Responsible for establishing and implementing policies and procedures in connection with above Items. Responsible for establishing Bank policies and procedures as they relate to the services provided by the Real Estate Team.

Personnel management:

Sets performance standards and production goals; Establishes and maintains appropriate staffing levels; Oversees promotions, salary actions, and terminations; and Prepares Performance Appraisals of team members. Responsible for the preparation of the annual budget, workload forecasts, and provides ongoing pipeline reports. Coordinates data services, office automation products, and equipment requirements for team members. Maintains effective and open channels of communication with all Bank units that require real estate and construction services by the Real Estate Team.

To include oversight of the following activities:

Attendance at pre-appraisal and pre-construction meetings with appraisers, account officers, architects, engineers, and general contractors to establish a clear understanding of the proposed project, construction costs, scheduling, and methods of payment. To include consultation with account officers as to project feasibility, construction costs, and services provided. To include account officer training/orientation as to the elements of services provided. Performs report reviews, cost reviews, and construction inspection duties as may be required.


  • Expert knowledge of SBA Standard Operating Procedures especially as it relates to construction and commercial real estate projects.

  • Strong leadership skills and mature judgment must be accompanied by both a high level of organization/planning skills and analysis/decision-making ability. Must be able to manage risk with appropriate controls.

  • Ability to effectively and clearly communicate information, facts, and concepts, orally and in writing, are fundamental requirements.

  • Position involves interaction both with internal and external clients, general contractors, vendors and other areas of the Bank,

  • Ability to work with others is an important element of the skills required.

Requires a thorough knowledge and understanding of the following:

  • Practical management theory and application

  • Principles of cost estimation and construction inspection

  • Basic geometry and algebra

  • Construction methods and techniques

  • Partnership between the cost estimation and construction inspection processes and the appraisal and lending functions.

  • Commercial Credit Real Estate, Construction Policies and Procedures

  • Computer literacy in word processing, spreadsheet, and database programs

  • 10 years experience in the construction industry, with major emphasis in the areas of estimating, budget analysis, and project monitoring

  • 8 years in the real estate due diligence industry

  • 3 years construction industry management/supervisory experience

  • Bachelor degree in construction management, architecture, or civil engineering is preferred but equivalent experience as a substitute is acceptable.


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.