Union Bank Jobshttp://jobs.unionbank.com2012-05-22 17:25:20.746139USAWALNUT CREEKTitle: Private Bank Relationship Associate - Walnut Creek Location: CALIFORNIA-WALNUT CREEK Headquartered in San Francisco, UnionBanCal Corporation is a financial holding company with assets of $92.3 billion at March 31, 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 operates 407 branches in California, Washington, Oregon, Texas, New York and Illinois, as well as two international offices. 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. Visitwww.unionbank.comfor more information. Become part of a team where community, diversity and exceptional service are part of everyone's job. Invest in you! Job Summary: Develops and manages comprehensive financial relationships within affluent upper tier of high network individuals in the assigned geographic area. This is a professional entry level position and should be able to provide support and handle a small portfolio of $750MM in profitability. Major Responsibilities: Assist in identifying qualified potential clients. Initiate contacts, assesses needs, presents array of products and services, and closes sales. Responsible for the management, growth and profitability of small portfolio in the unit. Advise and consult with clients to maximize their relationship with The Private Bank to include Deposit, Credit and Investments. Responsible for assisting and analyzing clients' credit needs and then making appropriate recommendations. Under the direction of senior staff, assist in developing and implementing marketing and sales strategies to establish a profitable portfolio, utilizing both external and internal resources. Assist in implementing the program for The Private Bank within the target area through an annual marketing plan and strategy, tailored to region locale and consistent with overall direction of The Private Bank. Assist in planning to expand the portfolio and ensure retention of profitable clients. Detail specific actions to cross-sell, establish referral program to develop new client business, and increase non-interest income to office. Engage in regularly scheduled portfolio performance review with manager to assess performance against set goals. Meet or exceed these goals. Relationship and Portfolio Management: Act as consultative banker, anticipating needs relative to affluent market segment to ensure maximum profitability and cross-sell opportunities are met. Maintain client portfolio with assistance from Banking Associate. Adjust portfolio size to accommodate the demands of servicing prime clients. Stand accountable for portfolio growth and profitability, as well as any attrition. Using EBS reports and available pricing models, monitor each client's account profitability and service use. Consult with clients as to various services or product needs which would be advantageous for them and keep them aware of new products and of changes in the financial area which would affect them. Regularly introduce clients to other areas of the Bank for special needs. Respond to problems clients may experience with the handling of their account and ensure proper handling of service requests. Ensure accurate and complete records are kept for each client relationship. Develop relationship banking through a consultative approach. Based upon clients' needs, provide various options considering tax implications, estate planning, risk tolerance levels and refer to appropriate specialists as needed. Segment portfolio through profitability and tiers to maximize efficiency in developing client relationships. Risk Management: Analyze and respond to the needs of the affluent client, balancing risk and opportunity. Analyze client's personal credit needs and requests. Qualify borrower, recommend best suited loan product commensurate with Bank's desired profit margin and the value of the clients total relationship. Prepare credit write-up analyzing financial condition of borrower. Determine the loan structure best suited for the client within the credit requirements for the Bank. Negotiate with the client to reach terms which will accommodate their needs and be profitable to the Bank. Make recommendations to senior officers of the Bank on loans which exceed designated loan authority. Monitor and manage portfolio to assess and minimize risk as it relates to credit and follow up with appropriate measures adhering to Bank's policy and guidelines. Monitor and manage operational risk and follows up with appropriate measures adhering to Bank's policy and guidelines. This position may be subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements. If at any time the Bank determines that your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process. Failure to register successfully or to maintain a status in good standing under the SAFE Act will affect your eligibility for continued employment and may result in your immediate termination. Entry to working level of knowledge of personal and business financial statements and tax returns. Understands the financial acumen as it pertains to the affluent market segment. All consumer and business products and services as it relates to the affluent market segment, including operations, loan policies and procedures. Sales and service orientation. Ability to identify client needs and related bank services. Sell the concept of relationship banking as defined by The Private Bank program. Minimum of 1 years commercial lending experience. College degree or equivalent work experience. Proficient knowledge of computer skills: Word, Excel, Power Point and Lotus Notes. 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/V2012-05-07 20:20:24United StatesUnion BankCalifornia21181CAWALNUT CREEK, CA28485171http://jobs.unionbank.com/xml/28485171/jobUSAWALNUT CREEKTitle: Regional Manager - REIG Location: CALIFORNIA-WALNUT CREEK 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. Visitwww.unionbank.comfor more information. Job Summary Responsible for managing relationship managers and support staff in the real estate group. These relationship managers solicit, develop, direct and manage credit relations with primarily top tier real estate developers seeking interim construction and real estate development financing. Solicit, direct and coordinate the expansion of customer relationships through cross-selling of banking services. Serve in a management capacity overseeing all aspects of a regional office. Major Responsibilities Managing the origination, analysis, negotiation structures, preparation, and presentation of loans of moderate to high levels of complexity involving risk and analysis for high-value clients. Direct and manage the evaluation process of an applicant's credit needs, financial strength, abilities and other background information to determine if a loan is an acceptable risk. Lead the coordination and direct the underwriting of loans and terms for the purpose of making recommendations to Credit. Assist in dealing directly with customers; serve as one of the primary contacts representing the Bank with critical or complex clients, as well as those clients working with Management or other Senior Loan Officers. Take a partnering and lead role in retaining and expanding all accounts through the development of strong business relationships and the cross-selling of Bank products. Typically requires ten or more years of Real Estate industry experience. Requires excellent negotiation and marketing skills and thorough knowledge of accounting. Understanding of credit underwriting, structuring skills and banking products. Highly effective verbal and written communications skills. 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. 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.2012-05-02 19:36:06United StatesUnion BankCalifornia21100CAWALNUT CREEK, CA28335044http://jobs.unionbank.com/xml/28335044/jobUSAWALNUT CREEKTitle: Tax Specialist - Community Development Finance (Walnut Creek) Location: CALIFORNIA-WALNUT CREEK Headquartered in San Francisco, UnionBanCal Corporation is a financial holding company with assets of $92.3 billion at March 31, 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 operates 407 branches in California, Washington, Oregon, Texas, New York and Illinois, as well as two international offices. 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. Visitwww.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 Conduct complex financial and tax accounting activities. Analyze and provide technical interpretation of accounting and income tax law changes specifically in the affordable housing industry (i.e. IRC 42, 45D, 47). Research and monitor tax projections to ensure data integrity. Work with management toward specific financial objectives. Major Responsibilities Take charge of the complete tax reporting process for the CDF Equity Investment Portfolio and the Tax Credit Syndication Portfolio. Assume a lead role in equity pricing and validate the tax assumptions used in the projections. Provide timely and accurate tax basis financial forecast to investors. Review and analyze the annual audited financial statements and tax returns for all of the direct-owned and syndicated tax credit investments to ensure compliance with IRS, tax credit statutes and regulations. Work with legal counsel, real estate developers, and financial consultants to develop early exit strategies which yield optimal financial results. Assist in responding to federal and state tax inquiries. Work with external CPAs to prepare the syndication fund accounting packages for outside investors. This position typically requires a BS / BA degree in Accounting or Tax and a minimum of 5 to 7 years of relevant experience. Knowledge of partnership & limited liability company tax returns is a must. Knowledge of tax credit affordable housing industry is a big plus. CPA certification in California is preferred. Union Bank iscommittedto leveraging the diverse backgrounds, perspectives, and experiences of our workforce to create opportunities for our people and our business. EOE. M/F/D/V. ClickheretoexperienceDiversity & Inclusion at work.2012-04-07 04:36:33United StatesUnion BankCalifornia20610CAWALNUT CREEK, CA27720219http://jobs.unionbank.com/xml/27720219/jobUSAWALNUT CREEKTitle: Commercial Banking Real Estate Loan Officer - Credit Underwriter Location: CALIFORNIA-WALNUT CREEK Headquartered in San Francisco, UnionBanCal Corporation is a financial holding company with assets of $92.3 billion at March 31, 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 operates 407 branches in California, Washington, Oregon, Texas, New York and Illinois, as well as two international offices. 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. Visitwww.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/Responsibilities: * Support Commercial Banking and Private Banking units with the solicitation, structuring and underwriting of owner occupied and investor commercial loan requests. * Provide guidance to Relationship Managers and their customers on Bank programs for owner occupied and investor loans. * Analyze, negotiate, structure, loan requests and assist with preparation of term sheets, proposal letters and pipeline requests. * For all loans, underwrite loans and terms for the purpose of making recommendations to credit. * For investor loans, evaluate applicant's credit needs, financial strength, abilities and other background information to determine if a loan is an acceptable risk. * Deal directly with customers; usually serves as the secondary contact representing the Bank in key client relationships, but may be the primary contact at certain points in the lending process. * Maintain high standard lending practices and maintain profitable portfolio and account relationships by reviewing and monitoring existing business transactions as required. * 7 years advanced commercial real estate industry experience. * Requires excellent negotiation and marketing skills and thorough knowledge of accounting. * Understanding of credit underwriting, structure skills and banking products. * Understanding of real estate and capital markets. * Effective verbal and written communications skills. * Successful completion of a major bank's credit training program a plus. * College degree or equivalent work experience; MBA preferred. Union Bank iscommittedto leveraging the diverse backgrounds, perspectives, and experiences of our workforce to create opportunities for our people and our business. EOE. M/F/D/V. ClickheretoexperienceDiversity & Inclusion at work.2012-04-03 18:25:35United StatesUnion BankCalifornia20667CAWALNUT CREEK, CA27609501http://jobs.unionbank.com/xml/27609501/jobUSAWALNUT CREEKTitle: Sr. Relationship Manager - Corporate Banking Location: CALIFORNIA-WALNUT CREEK Headquartered in San Francisco, UnionBanCal Corporation is a financial holding company with assets of $92.3 billion at March 31, 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 operates 407 branches in California, Washington, Oregon, Texas, New York and Illinois, as well as two international offices. 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. Visitwww.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. Manage a large portfolio of complex credit relationships focused on companies located in Alameda, Contra Costa and Solano counties. Developing significant new business (both credit and cross-sell) and building strong relationships with referral sources, such as CPA, Investment Banking and Law Firms. Will underwrite and structure credits jointly with Credit Executive. Will act as lead negotiator and "quarterback" with prospects & customers. Responsible for the growth of income derived from the assigned portfolio. Growth income is expected via loan fees, syndication fees, international income and interest income. Experienced in calling on large public and private companies. 10 years Commercial Lending. BA/BS degree. PC software: Microsoft Excel, Word, Outlook, Lotus Notes. Strong interpersonal and negotiating skills. Proficient credit underwriting and structuring skills. Ability to handle several tasks simultaneously. Demonstrated successes at new business development and income generation. Ability to manage difficult relationships with skill. Must be able to work in a team environment in sourcing and closing new deals. Proven consultative selling skills to sophisticated financial buyers focusing on proper capital structure options a customer or client could choose. Must have organized prospect targeting and pre-call planning skills. Generalist credit underwriting and capital markets exp. is essential. Consistent portfolio monitoring and proven history successfully handling companies experiencing credit deterioration, adhering to the Bank's credit policy and utilizing the Bank's credit mgmt tools. Union Bank iscommittedto leveraging the diverse backgrounds, perspectives, and experiences of our workforce to create opportunities for our people and our business. EOE. M/F/D/V. ClickheretoexperienceDiversity & Inclusion at work.2011-09-03 10:49:48United StatesUnion BankCalifornia18136CAWALNUT CREEK, CA23423907http://jobs.unionbank.com/xml/23423907/job