Commercial Underwriter, Sr

Underwrites new and renewal Commercial and Industrial (C&I) and Commercial Real Estate (CRE) credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from moderate-to-complex enterprises with revenues generally greater than $5 million. Collaborates with team members, Commercial Portfolio Managers (CPM's), Client Solutions Managers (CSMs) and Commercial Relationship Managers to accurately present findings, including business rationale and risk mitigations, in order to obtain credit approval and meet customer needs.

Responsibilities

Underwrites new and renewal Commercial and Industrial (C&I) and Commercial Real Estate (CRE) credit requests, including working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; Collaborates with Commercial Portfolio Managers, Client Solutions Managers and Commercial Relationship Managers to present findings, business rationale and risk mitigations to obtain credit approval; Analyzes business, industry, financial data and other supporting credit information, identifies key business and financial risks, and derives credit recommendations; Prepares timely, concise and accurate credit recommendations, including quantitative underwriting narratives, Dual Risk Rating scoring, identification and mitigation of policy, guideline and compliance exceptions, and accurate loan coding; Monitors borrower financial performance, spreads financial statements, ensures covenant calculations are accurate, and resolves violations in a timely manner; Partners with team members to offer insights into customer financial needs and loan structure effectiveness; Partners with team members in customer and prospect calls; May shadow manage a portfolio with Underwriting Manager and Market Director mutual approval; May oversee the work of other commercial underwriters or credit analysts, including reviewing credit reports using a standardized Quality Control Checklist; Demonstrates compliance with bank regulations and follows all Bank policies, procedures and required training; Maintains working knowledge of Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other applicable regulations; May coach, mentor, or train others and teach coursework as subject matter expert; Actively learns, demonstrates, and fosters the Columbia corporate culture; Takes personal initiative and is a positive example for others; Embraces the vision to become Business Bank of Choice; May perform other duties as assigned

Requirements

7-10 years of commercial underwriting/credit analysis experience or relevant lending experience (Required); Advanced analytical and problem-solving skills; Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience; Ability to train and present to small and large audiences or has the interest in learning to train and present; Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time; Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships; Possess excellent written, verbal, interpersonal and presentation skills; Advanced knowledge of credit policies, procedures, practices and documentation; Proficiency with personal computers and related software packages such as Word, Excel, PowerPoint, and other business machines; Occasional travel

Benefits

Competitive total rewards package including base wages and comprehensive benefits; Healthcare coverage (medical, dental, and vision plans); 401(k) retirement savings plan with employer match for qualifying associate contributions; Employee assistance program; Life insurance; Disability insurance; Tuition assistance; Mental health resources; Identity theft protection; Legal support; Auto and home insurance; Pet insurance; Access to an online discount marketplace; Paid vacation, sick days, volunteer days, and holidays