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Credit Executive - Vice President
Union Bank
Irvine, CA, United States
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Description
Discover your opportunity with Union Bank® and become a part of one of the world’s leading financial groups. Union Bank is a member of Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world with total assets of over $2.4 trillion (as ranked by SNL Financial, April 2016) and 140,000 colleagues in nearly 50 countries. In the U.S., we’re 13,000 strong, working together to positively impact every customer, organization, and community we serve. At Union Bank, we aim to be the premier and most trusted West Coast bank, serving customers with high-touch, local delivery and global capabilities as we leverage our rich, 150-year history. This is all part of our inclusive, high-performing culture supported by competitive Total Rewards, including our cash balance pension plan. Join a team that’s working to fulfill its vision to be the world’s most trusted financial group.
Job Summary: Provide credit underwriting and portfolio maintenance supporting Business Banking in the extension of credit. Work closely with the Team Leader or Senior Credit Executive to structure transactions and assess risks along with the collaboration of the Relationship Managers. Play an integral role in ensuring data integrity of the portfolio and establishing appropriate risk.
Major Responsibilities:
60%: Manage a portfolio of credits including the underwriting of new and renewed loans for borrowers and credit structured for Business Banking Market.
• This may also include borrowers with higher risk profiles.
• Ensure that portfolio management is consistent with Bank's current policies and practices. Interface with Regional Vice Presidents, Relationship Managers and Credit Administration to ensure credits fit within Bank's credit risk appetite.
• Maintain regular contact with Relationship Managers to ensure customer satisfaction.
30%: Effectively manage and monitor risks of the portfolio including appropriate risk grading.
• Prepare quarterly PLR/Watch Reports.
• Track, report and communicate portfolio trends, including trends in criticized/classified and Watch List credits.
• 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 risk.
• Participate in the ongoing Quality Control process.
• Responsible for data integrity of the portfolio.
10%: Assist in the coaching and training of Credit Associates and Credit Executives.
• Participate in special projects and task forces as needed.
Qualifications
Additional Information: Strong verbal and written skills. Excellent credit skills. Effective interpersonal skills. Typically requires a BA or BS degree or equivalent work experience, plus up to 10 years of technical experience.
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.