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Business Banking Development Officer - VP

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  • Requisition # 10037416-WD
  • Job Type Day
  • Location Irvine, CALIFORNIA
  • Other Locations Los Angeles, Ontario, San Diego, Woodland Hills
  • Brand
  • Date Posted 08/26/2020

Your potential. Your opportunity.

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:

Responsible for originating new business loans/lines and acquiring new business deposit relationships. Target Segment: The BDO targets medium-sized business clients (Companies with annual revenue from $10 million to $50 million).

Major Responsibilities:

  • Spends majority of time calling on clients, prospects, referral sources and Centers of Influence to develop new business, expand client base and to create a network of prospects from center of influence clients.
  • Responsible for generating loans from Business Banking clients.
  • Responsible for expanding the business of existing clients.
  • Primary outside sales focus includes demand deposit/operating accounts, cash management and other payments services, Business Loans, Business Lines of Credit, Commercial Real Estate Loans, and various other business banking products and services.
  • Analyzes business financial data and submits complete credit packages to the Credit Center for underwriting.
  • Accountable for further deepening of client's relationship with the Bank.
  • Uses discretion to determine when to make sales calls in conjunction with the business banking relationship managers and other strategic partners to cross sell.
  • Manages the pipeline of active and viable leads, including determining which prospects to call on, and the priority and scheduling of calls. Maintain list of at least 150 active prospects.
  • Consistent contact with COI's to access opportunities and follow up as appropriate.
  • Continually identify new prospects and develop and present effective marketing approaches to prospects, primarily through on-site visits.
  • Partner with other business lines as appropriate.
  • Plan long-term and short-term business objectives, including preparing and updating business plans.
  • Effectively uncover and assess prospects' needs and financial status to provide accurate and suitable credit and other product advice and recommendations.
  • Clearly communicate the application and credit decision process.
  • Proactively following up on credit requirements.
  • Act as liaison between Commercial Credit Center and prospect/client.
  • Provide recommendations about possible appeals of credit denials.
  • Stay informed as to current underwriting guidelines.
  • Provide expertise on business credit issues to branch personnel.
  • Responsible for completing all required training as it relates to the position as well as responsible for all appropriate assessments and certifications.

  • Minimum of 7-10 years of Business Development experience or related business lending experience and/or deposit and cash management sales experience required.

  • Established base of Centers of Influence (COIs).

  • Direct work experience and knowledge of credit products and processes is required (i.e. Commercial/Business Loans or Lines of Credit).

  • Strong understanding of product profitability of banking products.

  • Strong customer focused individual with good interpersonal skills and communication skills.

  • Ability to work independently under only general supervision.

  • Bachelor's Degree in Finance or related field, or equivalent work experience required.

  • Preferred: credit analysis or financial analysis experience related to business lending is preferred

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.

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