Business Underwriter II

Columbia Bank•Lake Oswego, OR

1d•$74,655 - $100,616•Onsite

About The Position

Under general direction of management, an underwriter is responsible for the company’s loan production process for multiple states, including analyzing and approving or declining credit requests with a focus towards maintaining a high-quality loan portfolio and ongoing process improvements while maintaining strong business relationships and partnerships throught the bank. Evaluate the overall credit worthiness of individuals and their ability to meet their financial obligations for traditional credit–based products as well as a variety of “structured” banking transactions, traded products, and underwriting activities Review proposed transactions against the credit standards set by the organization Monitor the Bank’s credit exposure by industry and product/transaction type to ensure adherence to the exposure limits set by the Bank Maintain focus on day–to–day deliverables, developing solutions based upon subject expertise, and occasionally representing the department at a broader level Ability to independently make decisions underwriting all loan product requests while adhering to Bank Policy and Procedures. Work in a fast-paced environment while working with business partners to deliver exceptional customer service to internal and external customers. Work closely with Loan Processors to assure decisions are made in a timely manner and delivered to branch. All employees are responsible for internal controls in the performance of their assigned duties. Internal control responsibilities are established in various policies, procedures, and documents, including the Code of Conduct. Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training. Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description. May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become “Business Bank of Choice” May perform other duties as assigned.

Requirements

2-4 years in a business loan role as an underwriter or other relevant experience required.
Expert knowledge of all types of business loans, regulations, insurance, documentation, and analysis techniques specific to the industry.
Strong interpersonal skills with the ability to work in a team setting.
Strong mentorship skills.
Strong time management skills.
Working knowledge of manual and automated processing.
Intermediate skills in word processing and spreadsheet software programs.
Ability to work effectively in a team environment.
Ability to accomplish work without direct supervision.
Strong written and verbal communication skills with the ability to influence the attitudes and opinions of others.
Strong financial analysis skills.
Multitasking ability.
Ability to meet deadlines.
Ability to solve problems in ambiguous situations.

Nice To Haves

H.S. Diploma/GED preferred.
Bachelor’s degree in business or completed business courses preferred.

Responsibilities

Analyze and approve or decline credit requests.
Maintain a high-quality loan portfolio.
Implement ongoing process improvements.
Maintain strong business relationships and partnerships.
Evaluate the overall credit worthiness of individuals and their ability to meet financial obligations.
Underwrite traditional credit-based products, structured banking transactions, and traded products.
Review proposed transactions against organizational credit standards.
Monitor the Bank’s credit exposure by industry and product/transaction type.
Ensure adherence to exposure limits set by the Bank.
Make independent decisions on underwriting all loan product requests.
Adhere to Bank Policy and Procedures.
Work in a fast-paced environment.
Deliver exceptional customer service to internal and external customers.
Work closely with Loan Processors to ensure timely decisions.
Assure decisions are delivered to the branch.
Perform internal controls in the performance of assigned duties.
Learn, demonstrate, and foster the Columbia corporate culture.
Coach, mentor, or train others and teach coursework as a subject matter expert.
Demonstrate compliance with all bank regulations for assigned job function.
Keep up to date on regulation changes.
Follow all Bank policies and procedures, compliance regulations, and complete all required annual or job-specific training.
Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations.
Take personal initiative and be a positive example for others to emulate.
Embrace the vision to become “Business Bank of Choice”.
Perform other duties as assigned.