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Business Banking Relationship Manager, Vice President

Company: MUFG Union Bank
Location: San Jose
Posted on: November 23, 2020

Job Description:

MUFG is committed to the safety and well-being of our colleagues, clients, candidates, and the community as we manage the current COVID-19 pandemic. During this time, as we continue to recruit and hire exceptional talent to join our team, we are taking the necessary precautions to limit in-person contact, aligned with Federal, State, and local health recommendations and requirements. All interviews are being conducted remotely via Skype, FaceTime, or phone. Additionally, we have implemented remote on-boarding for new colleagues, as appropriate. Thank you for your interest in exploring career opportunities with MUFG. Business Banking Relationship Manager, Vice President 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 care about the details that matter most to our clients. We have our clients? best interest in mind, drawing on more than 150 years of experience to understand their distinct needs and tailor our solutions. We?re part of 180,000 colleagues around the globe striving to be the world?s most trusted financial group. 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. Job Summary: Reporting to the National Sales Manager for Business Banking and the Commercial Banking Regional Manager, the Business Banking Relationship Manager effectively acquires, manages and grows profitable account relationships with business customers. Ensures the overall success and growth of an assigned portfolio by acquiring new client relationships and deepening relationships of existing customers through extensive cross-selling. Continually partners with existing customers in order to fully understand their businesses, goals, strategies and challenges. Proactively assesses their financial needs for the purpose of formulating a business plan and delivering an effective variety of financial products and services in order to help the customer succeed financially. Performs effective financial analysis and underwriting in the areas of credit, cash flow and collateral. A Business Banking Relationship Manager will be designated to one of the following tiers: Tier I - covers a metropolitan market place with dense prospect counts; and Tier II - covers a metropolitan market place or a surrounding area with medium density of prospect counts and / or the Bank branch coverage.-- Management or Supervision: Yes-- Major Responsibilities: 70% New Business Acquisition and Cross-Selling: Develops new business, expands client base and creates a network of prospects from center of influence clients generating new client relationships and deepening existing Business Banking relationships to meet individual revenue goals and meet financial targets. Identifies opportunities to acquire new business and deepen household relationships through extensive cross-selling; which includes referring to Wholesale and Commercial channels and other lines of business. Develops and presents effective marketing approaches to prospects, primarily through on-site visits. Fosters ?One-Team? partnerships with other business lines, including Consumer Lending, Retail Banking, Private Banking and Private Wealth ensuring referrals to expand client relationships through targeted cross-selling satisfy all client financial needs. Plan long-term and short-term business objectives, including preparing and updating business plans. Effectively uncovers and assesses prospects' needs and financial status to provide accurate and suitable credit and other product advice and recommendations.-- 30% Portfolio Management, Risk Management and Client Experience: Orchestrates and coordinates client needs to ensure the highest quality of service and maximum financial return for the Bank. Coordinates with Credit Center and various product specialists to deliver services to the client. Monitors the credit relationship, maintains covenant compliance and obtain updated financial information on the existing loan portfolio. Documents and maintains risk-based discussions with borrowers, recognizes unfavorable trends and makes appropriate recommendations to the Credit Executive. Completes all KYC, BSA documents accurately and ensures all customers are compliant with required regulatory documents. Analyzes business financial data and submits complete credit packages to the Credit Center for underwriting. Clearly communicates the application and credit decision process; proactively follows-up on credit requirements; acts as liaison between the Credit Center, Retail Bank partners and the client; and provides recommendations about possible appeals of credit denials. Partners with Credit Center associates for credit underwriting, processing, closing and portfolio maintenance. Negotiates terms, conditions and pricing with customers to reach terms that accommodates their needs and is acceptable and profitable to the bank. Education, Licensure, Year of Experience (and type of work experience):-- 5+ years of experience in Business / Commercial Lending.-- 5+ years of Business Development experience selling to a broad range of industries and a breadth of company sizes.-- Experience with complex Cash Management and Trade Finance is required.-- Bachelor's Degree in Finance, Business or Economics is preferred.-- Knowledge, Skills, Abilities:-- Proficiency in using a Risk Based and Relationship Based Pricing Model.-- Proven track record of business development.-- Strong credit and underwriting skills.-- Strong interpersonal and mentoring skills.-- Ability to communicate clearly and effectively to both bank customers and other associates with excellent written and oral communication skills.-- Ability to handle multiple requests/customers with a high attention to detail and ability to take initiative when handling packages or projects.-- Proven proficiency in Accounting. The above statements are intended to describe the general nature and level of the 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. We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or an accommodation to apply for one of our jobs, please submit a request by telephone at 1-866-275-4717 or email us at AskHR@us.mufg.jp . Include your contact information and specific details about your requested accommodation. 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.

Keywords: MUFG Union Bank, San Jose , Business Banking Relationship Manager, Vice President, Accounting, Auditing , San Jose, California

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