CREDIT EXAMINER II

Union Bank of CaliforniaInvest in your career. Invest in your future. At Union Bank of California, our people are our greatest asset. We are one of the largest banks in California with a longstanding reputation for professional training and career development. In addition to investing in our employees, Union Bank has established a generous community reinvestment program that works to uplift communities and watch them grow. We invest in a diverse workforce as our employees come from many different backgrounds, bringing with them different experiences and perspectives. Become part of a team where community, diversity, and exceptional service are part of everyone’s job. Invest in you! Job Summary

Provide a comprehensive assessment of enterprise wide risk management practices by evaluating, monitoring and reporting on the quality of risk assets and effectiveness of the Bank’s processes to control credit, trading and associated concentration risks. Use a risk focused approach of continuous monitoring and onsite examinations to rate the credit risk management process and portfolio quality, including the level of risk and its future direction. Provide prompt feedback to Bank management on the results of monitoring and examination activities. Major ResponsibilitiesRisk Evaluation & Monitoring (REM):Develop a dynamic, ongoing risk based monitoring and examination program for assigned units.Monitor moderately complex risk asset portfolios to identify deterioration or negative management control trends and review compliance with policies, guidelines and regulations.Prepare periodic Risk Profile & Monitoring Plans to update key risk factors and re-evaluate the resources and activities required to monitoring those risks.Review and analyze individual credits and/or credit relationships for quality, adherence to approval conditions, accuracy of risk grading and adequacy and accuracy of documentation.Identify and evaluate the effectiveness of credit risk process controls. Analyze credit files, financial statements, projections and research industry trends to identify risk potential within portfolios. Document results of monitoring according to CEG requirements and provide periodic risk assessments of assigned portfolios.Evaluate MIS data and identify adverse trends of leading and lagging performance indicators.Participate in credit examinations and interim visits, frequently serving in the capacity of Examiner-In-Charge (EIC) for complex portfolios.As EIC, effectively plan, coordinate and oversee all aspects of on-site activities. Focus on quality control of transactional reviews and other work performed by the examination team.Prepare timely, concise reports of examination which indicate appropriate examination ratings and significant issues observed.Follow up for the satisfactory completion of issues raised by internal and external examiners.Communication:Promote effective and open communication with internal and external UBOC line and staff personnel.Provide technical guidance to units on credit policies and control procedures. Keep IRMG management informed on degree of risk in various portfolios, particularly the more complex and/or specialized portfolios.Write high quality, concise and informative reports, following IRMG report standards and guidelines, for senior management and internally to support REM results and examination findings.Teamwork:Promote teamwork within IRMG, as well as with other UBOC units.Maintain effective working relationships with lending unit management and credit administration.Provide leadership, training and guidance to other lower level examiners.Special Projects:With limited supervision, complete special project assignments such as due diligence examinations, task force projects or specific ad hoc reviews delegated by CEG management.5+ years in credit-related fields, including a working knowledge of appropriate risk management techniques. BA or BS degree preferred plus. Good understanding of credit processes and systematic controls. Working knowledge of industry credit processes, lending policies and current financial environments.Demonstrated examination skills acquired through a thorough understanding of examination techniques. Good skills in credit/financial statement analysis and a good understanding of business and financial markets and the effects of economic conditions.Ability to analyze portfolio trends at a macro level. Effective communication skills, both oral and written. Ability to interact effectively with varying  levels of personnel/management. Good personal computer skills.