Relationship Manager - Bilingual, English and Japanese

GENERAL SUMMARY:

Develops and manages relationships with corporate clients with emphasis onoriginationbusiness and portfolio risk in the assigned business segment.    Presents a range of corporate banking product solutions to meet client needs andclosessales. Provides responsive, quality service. May be assigned to geographic areas and/or specific services. Approves transactions within delegated authority. Manages overall relationship profitability and portfolio risk.

ESSENTIAL FUNCTIONS:

• Formulates and implements a business development plan and calling schedule for each client or prospectfollowing the Bank’s business development strategy.Identifiesbusiness opportunities andsolicitsreferrals from other business segments.Researchesmarket area including relevant industries as part of development and implementation of an overall marketing plan. Prepares for calls by developing a strong understanding of company, industry,businessand needs.Setsobjectivesfor each relationship in terms of revenue contribution, deposit growth, RORA, and collaboration with relevant business units across MUSO.

• Maintainsclose contact with existing customers; calls on existing or prospective clients and meets with their financial officer(s). Discusses and promotesallrange of corporate banking products and services. Discusses financing opportunities and general business conditions;assistsin forecasting clients' finances anddevelopssolutions to serve their financial needs. Brings in product specialist, as necessary, tohelp problemsolve or structure a transaction.

• Negotiates transactions; prices products within targeted rate of return; documents and closes transactions, ensuring conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgment in presenting transactions for approval.  Presents transaction recommendations to senior management. Ensures the quality of all business introduced to the Bank.

• Interfaces with other Bankunitsas necessary.  Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction.Resolves all client needs and interfaces with other departments to resolve any customer concerns.

• Monitors and analyzes relationship plan results and account activities.Determinesclient profitability. Establishes andmaintainsrelationships with industry contacts and key strategic partners. Makes recommendationsregardingaccounts to be further developed or eliminated. Prepares a variety of reports for management.

• Timely and effectivelymonitorsthe assigned portfolio for quality,riskand adherence to policy to ensure the early detection of credit quality changes. Analyzes problem credits and meets withclientto develop solution(s) to minimize loss exposure. Performs on-going credit reviews and providestimelyassessment and communication of credit quality changes tomaintainaccuraterisk grading; pro-actively recommends,developsand administers effective action plans for managing adversely graded relationships to minimize credit risk/cost.

• Maintainsan awareness of competitive products, practiceratesand changes in marketarea.

• 8. Preparestimelycredit recommendations, coordinates amendments and renewals. Performs periodic credit rating reviews. Ensures the integrity and completeness of documentation in conformance withgenerally acceptedregulatory requirements and established policies and procedures.

• May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations. May develop and conduct client and employee training sessions and informal updates. Provides guidance to junior level Relationship Managers and Credit Analysts.

• Participatesin civic and community affairs asappropriate.

• It is the individual responsibility of every employee tomaintaina current awareness and understanding ofappropriate bankinglaws, regulations, internalpoliciesand procedures, and to comply fully with those laws, regulations,policiesand procedures.

• Supports departmental and cross-functional initiatives and performs other duties andresponsibilities asassigned by management.

SPECIFICATIONS:

Minimum qualifications outlined below:

• Degree in Finance, Business Administration orEconomics;or equivalent combination of education and experience.

• Accomplished sales and marketing skills. Good understanding of all products applicable to target clientsegment. Advanced knowledge of financial analysis techniques. Ability to structure financial products and facilities to meet the special needs and circumstances of clients and prospects. Able to detect positive and negative financial and operational trends or developments. Capable of developing sound financial and operational forecasts.

• Excellent credit skills and thorough knowledge of the credit processin order toconstantlymonitorassigned accounts.Thoroughcorporate credit policies and procedures as well as working knowledge of regulations specific to banks. Strong credit analysis and accounting skills.

• Strong customer orientation withprovenrecord of responding promptly to customer needs. Self-driven,motivatedand results oriented.

• Excellent analytical skills. Ability tothoroughly and effectively analyze complex financial issues and develop/coordinate appropriate solutions. Excellent ability to conduct in-depth industry analysis and information on key industry players. Demonstrated ability in problem solving and negotiation with special emphasis on closing deals.

• English and Japanese Bilingual skills needed. Superior verbal and written communication skills (in both English and Japanese – professional level). Experiencewritingreports and business correspondence. Ability to deliver well-organized, clear presentations in groups and in one-on-one conversations; fosters open communication, listens actively. Ability to effectively negotiate with other departments/divisions to achieve organizationalobjectives. Ability to effectively respond to questions from customers, regulators, auditors, and employeesin a clear and concise way.

• Excellent organization and planning skills. Ability to plan,organizeand handle multiple concurrent transactions/projects simultaneously. Ability to plan and schedule work to meet both long-term and short-term time frames. High levelof flexibility and confidentiality withabilityto adapt to changing conditions. Ability to prioritize activities to effectively achieve results.

• Excellent team orientation with the ability to understand the perspective and priorities of others. Capable of working well under pressure, independently and in teams toaccomplishthe goals of the department. Ability to develop andmaintainrelationships with allappropriate departments/divisionsof the Bank. Proventrack recordof working with all levels of senior management.

• Flexibility to work variable hours due to the workflow.

• Excellent knowledge of Word, Excel,PowerPointand databases.

• 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 and skillsrequired ofpersonnel so classified.

• Bilingual (English and Japanese)

The expected base salary ranges from$120,000- $130,000. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications and licensesobtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus.