Credit Executive - Commercial Banking - Vice President

Company: MUFG Union Bank
Location: Fresno
Posted on: February 25, 2021

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. Credit Executive - Commercial Banking - 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 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. Job Summary: This position reports to the Credit Manager, and it provides credit underwriting and
portfolio management supporting the Middle Market and Business Banking Groups in
the extension of credit. Works closely with Relationship Managers in structuring
transactions and assessing risks. Plays an integral role in ensuring data integrity of the
portfolio and establishing appropriate risk.
Major Responsibilities:

• Underwrite and present loans for approval to the Senior Credit Administrator or
  Bank's Senior Loan Committee.
• Effectively manage and monitor risks of the portfolio including adherence to the
  process and procedures established for Basel II risk grading.
• Manage a portfolio of credits including the underwriting of new and renewed
  loans for the most complex borrowers and credit structure in the Middle Market.
  This may also include borrowers with higher risk profiles.
• Ensure that portfolio management is consistent with Bank's current credit policies
  and practices.
• Interface with Relationship Manager, Regional Vice President and Credit
  Administration to ensure credits fit within Bank's credit risk appetite.
• Maintain excellent communication with Relationship Managers to ensure
  customer satisfaction. 20% Other responsibilities include:
  • Participate in the ongoing Quality Control process.
  • Track, report and communicate portfolio trends, including trends in
    criticized/classified and Watch List credits.
  • Assist in the coaching and training of Credit Associates and Credit Executives.
  • Participate in special projects and task forces as needed.
  • Responsible for data integrity of the portfolio.
  • Responsible for satisfactory credit exams. 20% Risk Management and Compliance:
    • Demonstrates knowledge of and is sensitive to the current regulatory
      environment.
    • Adheres to the Bank's Risk Vision, and risk management policies and programs.
    • Recognizes and proactively addresses risk (including but not limited to those
      associated with Bank Secrecy Act, anti-money laundering, consumer
      compliance, fair lending, fiduciary responsibilities, and privacy).
    • Identifies and appropriately manages risks. Knowledge, Skills, Abilities:
      • Detail oriented with good analytical skills.
      • Significant accounting and finance knowledge.
      • Possess excellent oral and written communication skills and presentation skills.
      • Strong ability to multi-task meet deadlines and manage Relationship.
      • Manager's and client expectations.
      • Good collaboration skills in a team-oriented environment.
      • Proficient in relevant software including Excel, Word, PowerPoint, nCino, Moody's Risk
        Analyst and Bank's legacy systems (RACER, ESB, TOPS, and AFS).
        Education, experience, certification, and licensure:
        • Bachelor's Degree required, preferably in business or finance.
        • Minimum 7 - 10 years of experience in commercial banking in lending and credit
          analysis.
        • Agribusiness lending experience is highly preferred.
        • Formal commercial credit training preferred. 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. 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, Fresno , Credit Executive - Commercial Banking - Vice President, Executive , Fresno, California