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Small Business Relationship Manager, Inside Sales VP - Tempe, AZ
at MUFG Americas
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world (as ranked by S&P Global, April 2018) with total assets of over $2.9 trillion (106.2 (JPY) as of March 30, 2018) and 150,000 colleagues in more than 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.
The Small Business Relationship Manager is responsible for independently managing a portfolio of existing Small Business clients. 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.
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 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 business. 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 Experience: 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 portfolio. 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.
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.