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Description
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Headquartered in San Francisco, UnionBanCal Corporation is a financial holding company with assets of $89.7 billion at December 31, 2011. Its primary subsidiary, Union Bank, N.A., is a full-service commercial bank providing an array of financial services to individuals, small businesses, middle-market companies, and major corporations. The bank operated 414 branches in California, Washington, Oregon, Texas and New York, as well as two international offices, on December 31, 2011. UnionBanCal Corporation is a wholly-owned subsidiary of The Bank of Tokyo-Mitsubishi UFJ, Ltd., which is a subsidiary of Mitsubishi UFJ Financial Group, Inc. Union Bank is a proud member of the Mitsubishi UFJ Financial Group (MUFG, NYSE:MTU), one of the world\'s largest financial organizations. Visit www.unionbank.comfor more information.
Become part of a team where community, diversity, and exceptional service are part of everyone\'s job. Invest in you! Invest in your career. Invest in your future.
Job Summary:
Perform financial analysis and risk assessment. Underwrite transactions jointly with Relationship Managers. Prepare loan presentations and participate in the credit approval process. Call on customers and prospects jointly with Relationship Managers.
Major Responsibilities:
- Spread historical financial statements, prepare financial projection models, complete risk assessments, and perform sensitivity analysis.
- Analyze financial ratios and company operating performance as part of ongoing client risk management.
- Assist senior officers in the preparation of credit recommendation requests and participate in discussions with credit administration.
- Maintain client information in alignment with regulatory requirements and monitor covenant compliance.
- Participate in ongoing portfolio monitoring projects and task forces, including the tracking and reporting of portfolio trends.
- Participate in the ongoing quality control process related to data accuracy and integrity.
- Ensure that the portfolio management is consistent with Bank\'s current policies and practices.
- Identify customer needs and level of servicing required through discussions with corporate officers and analysis of financial status and/or operations.
- Attend calls with senior officers to solicit the Bank\'s credit and non-credit services to potential customers and to cross-sell additional services to existing customers.
- Respond to operational problems experienced by assigned customers and work through other departments of the Bank for research and final resolution.
Required Education:
Skills Required:
- Excellent quantitative, analytical, communication, and writing skills are critical.
- Organization, time management, the ability to work independently and attention-to-detail are also important skills.
- Computer literacy is required, including knowledge of MS Word and Excel.
Union Bank is committed to leveraging the diverse backgrounds, perspectives, and experiences of our workforce to create opportunities for our people and our business. EOE. M/F/D/V
: Commercial Banking
: TEXAS-HOUSTON
: First Shift
: Full-Time Regular |
