MUFG Union Bank Small Business Relationship Manager, Vice President in Walnut Creek, 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.
We're seeking a Small Business Relationship Manager to manage a portfolio of up to 300 existing small business clients. You will regularly contact existing customers to fully understand their businesses, goals, strategies, and challenges. You are responsible for the retention of your portfolio and generating new business from new and existing small business clients.
40% Client Retention and Cross-Selling:
Generate new product relationships, including demand deposit/operating accounts, cash management and payments services, business loans, lines of credit, commercial real estate loans, etc.
Identify new business opportunities to cross-sell, referring to commercial banking, consumer banking, private banking, wealth management, etc.
Develop marketing approaches for new business generation
Maintain an active pipeline and communities to retail branches and private banking partners.
Assess prospects' needs and financial status to provide credit and other product advice and recommendations.
60% Portfolio Management, Risk Management, and Client Experience:
Coordinates with Credit Center partners and various product specialists to deliver services to the client.
Monitor the credit relationship, maintain covenant compliance, and obtain updated financial information on the existing loan portfolio.
Document risk-based discussions with borrowers to recognize unfavorable trends and makes appropriate recommendations.
Complete all KYC, BSA documents and ensure customers are compliant with required regulatory documents.
Analyze business financial data and submits complete credit packages to the credit center for underwriting.
Communicate the application and credit decision process and act as a liaison between the credit center, other bank partners, and the client.
Negotiates terms, conditions, and pricing with customers to reach agreeable terms.
The right candidate will have:
5 years experience in banking and customer service, including business/commercial lending
5 years experience selling to a broad range of industries
Experience with cash management and trade finance
Proficiency a risk-based and relationship-based pricing model
Strong credit and underwriting skills
Outstanding interpersonal skills and communication skills
Aptitude for reviewing financial documents and proficiency in accounting
Bachelor's Degree in Finance, Business or Economics
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.
Job: Sales & Trading
Primary Location: CALIFORNIA-Walnut Creek
Schedule Full Time
Req ID: 10041461-WD