Union Bank 372 reviews - Houston, TX

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Headquartered in San Francisco, UnionBanCal Corporation is a financial holding company with assets of $88.2 billion at September 30, 2012. 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 402 branches in California, Washington, Oregon, Texas, Illinois, and New York as well as two international offices, on September 30, 2012. 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 for more information.

      Job Summary:

      Responsible for soliciting and servicing both credit and non-credit banking services for corporations within an assigned region. Analyze, structure, present and recommend/negotiate new credit lines under the guidance of senior officers and cross-sell various services. Maintain a good working relationship with existing customers through efficient handling of all current services. Assist more senior officers with portfolio administration duties.

      Major Responsibilities:

      Assist senior officers in the preparation of credit recommendation requests, spread historical financial statements, prepare financial projection models and general assistance of portfolio maintenance.

      Make calls on corporations within an assigned geographical region to solicit the Bank's credit and non-credit services to potential customers and to cross-sell additional services to existing customers.

      Identify customer needs and level of servicing required through discussions with corporate officers and analysis of financial status and/or operations.

      Examine the depository services needed by the organization and call in specialists from various areas of the bank (i.e., Cash Management, Deposit Relationship Management, Trust, etc.) to explain and eventually implement the desired services.

      Evaluate the organization's credit needs, analyze the financial statements, structure loan package, and negotiate the terms and conditions with the customer on the smaller, more routine corporate relationships. Enlist the aid of more senior officers in structuring and negotiating more complex loans.

      Respond to operational problems experienced by assigned customers and work through other departments of the Bank for research and final resolution.

      Develop and implement a personal marketing plan with assistance from a senior officer.

      Work with smaller corporate customer accounts to resolve deficient loan situations and independently handle all credit related problems. Q



      Skills Required -- Basic oral presentation and negotiation skills. Good written communications skills.

      Knowledge Required -- A working knowledge of: the major credit and depository services the bank offers to corporate customers; credit analysis, accounting principles and practices, and spreadsheeting; procedures involved in preparing an industry study including research, analysis and presentation. A general familiarity with: Federal and State banking regulations; the Bank's operational policies and procedures; the Bank's International services.

      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.

      About this company
      372 reviews
      Union Bank is a full-service bank with offices across the United States. We provide a wide spectrum of corporate, commercial, retail banking...