Are you passionate about creating an exceptional client
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
The Small Business Relationship Manager – Inside Sales is
responsible for independently managing a portfolio of existing
Small Business clients in a central environment. Manages leads
received from online and direct mail channels and cross-sells those
leads with other small business services including lending, cash
management and merchant services. Regularly contacts existing
customers in order to fully understand their businesses, goals,
strategies and challenges. Performs ongoing portfolio management,
working with existing clients to present solutions to meet the
client’s short- and long-term financial objectives. Responsible for
retention of the portfolio and generating new product relationships
from new and existing Small Business clients through extensive
cross-selling of various banking products and services. Performs
effective financial analysis and underwriting in the areas of
credit, cash flow and collateral. A Relationship Manager will
manage up to 300 business client relationships.
Management or Supervision: No
40% Client Retention and Cross-Selling:
Generates new product relationships from new and existing Small
Business clients, including but not limited to demand
deposit/operating accounts, cash management and payments services,
Business Loans, Business Lines of Credit, Commercial Real Estate
Loans, and various other banking products and services.
Receives incoming Retail Small Business client referrals from
assigned Retail Branches and through various online and direct mail
channels to identify opportunities to acquire new business and
deepen household relationships through extensive cross-selling;
which includes referring to Commercial Banking channels, Consumer
Banking, Private Banking, Wealth Management, and other lines of
Develops and presents effective marketing approaches to client
prospects for new business generation.
Fosters “One-Team” partnerships with other business lines
ensuring referrals to expand client relationships through targeted
cross-selling satisfy all client financial needs.
Maintains an active pipeline, which is communicated regularly to
their assigned Retail Branches / Private Banking partners
Effectively uncovers and assesses prospects' needs and financial
status to provide accurate and suitable credit and other product
advice and recommendations.
Coordinates with Credit Center and various product specialists
to deliver services to the client.
60% Portfolio Management, Risk Management and Client
Orchestrates and coordinates client needs to ensure the highest
quality of service and maximum financial return for the Bank.
Coordinates with Credit Center partners 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
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 a
liaison between the Credit Center, other
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
5+ years of Banking and customer service experience. 5+ years of
experience in Business / Commercial Lending.
5+ years of Business Development experience selling to a broad
range of industries. Experience with Cash Management and Trade
Finance is required.
Bachelor's Degree in Finance, Business or Economics is
Knowledge, Skills, Abilities:
Proficiency in using a Risk Based and Relationship Based Pricing
Proven track record of business development.
Strong credit and underwriting skills.
Excellent interpersonal skills.
Ability to communicate clearly and effectively to both bank
customers and other associates with excellent written and oral
Ability to handle multiple requests/customers with a high
attention to detail.
Aptitude for reviewing financial statements and proficiency in
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
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