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MUFG Union Bank Credit Executive- Commercial Banking - Director in San Francisco, California

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.

Major Responsibilities:

30-60% Portfolio Management:

  • Primary responsibility for underwriting, structuring, and completing all approval requests.

  • Initiate and ensure completion of all required loan documents and agreements.

  • Conduct ongoing credit monitoring to ensure highest credit quality of assigned portfolio.

  • Recognize / communicate potential credit quality issues within the Bank on a timely basis.

  • Identify cross-selling opportunities to meet income generation goals.

  • Lead or work as part of a team to deliver both credit products and non-credit services to clients and prospects.

  • Call regularly on existing clients to obtain information that supports borrowers risk profile and obtains information necessary for effective credit monitoring.

  • Demonstrates expertise in working with clients in a turnaround situation or those demonstrating a higher risk profile.

30-60% Relationship Management & Revenue Growth:

  • May act as the sole point of contact for certain clients, up to and including complex relationships.

  • In these relationships, CE will be responsible for both underwriting and marketing functions related to such clients. May act as the primary contact for the bank group in syndicated credits where bank is the agent. May assist in the overseeing/training credit analysts and junior officers.

  • Responsible for increasing NOI of existing customers on an annual basis as well as cross selling additional products and services to those clients.

20% Risk Management :

  • Demonstrate knowledge of and is sensitive to the current regulatory environment

  • Adhere to the bank's Risk Vision, and risk management policies and programs

  • Recognize and proactively address risk (including but not limited to those associated with Bank Secrecy Act, anti-money laundering, consumer compliance, fair lending, fiduciary responsibilities, and privacy)

  • Identify and appropriately manage risks.

  • Ensure top quality data input in all bank systems such as AFS, ESB, RACER, TOPS, RA, etc.


  • Normally requires 10+ years of commercial lending experience including credit portfolio management and client calling skills.

  • Typically requires a BA, BS, or equivalent work experience.

  • Experience working with syndicated or multi-bank credit facilities.

  • Experience working with clients in turnaround situations.

  • Effective listening, verbal, and written communication skills.

  • Demonstrated ability to analyze, negotiate and manage corporate credit transactions.

  • Proficiency in relevant PC skills including Word, RA, Excel, PowerPoint, Email, and Internet access.

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.

A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it's the bank's policy to only inquire into a candidate's criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.

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