Commercial Underwriter - Native American Banking & Gaming

Columbia Bank•Reno, NV

8d•$70,000 - $120,000•Onsite

About The Position

Analyzes and evaluates customer credit information for new and renewal credit requests within the Native American Banking and Gaming business line. This includes working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor), equipment financing, governmental obligations, tax revenue financings, and gaming and other tribal enterprise financings. The role primarily focuses on moderate-to-complex governments and enterprises with revenues generally greater than $5 million. The Commercial Underwriter collaborates with other team members to prepare timely, high-quality, and concise credit recommendations needed to obtain credit approval and meet customer needs. This involves analyzing business, industry, and financial data, presenting findings, and collaborating with Portfolio Managers, CSMs, and Commercial Relationship Managers to identify key business and financial risks. The role also requires preparing accurate credit recommendations with normal supervision, including quantitative analysis, risk rating, identification and mitigation of policy exceptions, and accurate loan coding. Additionally, the underwriter monitors borrower financial performance, ensures financial statements are spread correctly, and collaborates on resolving covenant violations. The position involves partnering with relationship managers on customer calls, offering insights into financial needs, and following up to obtain necessary information. The role also requires demonstrating compliance with all bank regulations and policies, maintaining knowledge of Bank Secrecy Act and other relevant regulations, and potentially coaching or mentoring others. The underwriter is expected to actively learn and foster the Columbia corporate culture, demonstrate initiative, and serve as a positive example.

Requirements

2-4 years — of commercial credit analysis or underwriting experience or the equivalent. (Required)
Intermediate Accounting skills and knowledge.
Proven ability to spread company and personal financial statements, including income tax returns, using Moody’s Risk Analyst or other comparable spreading tool; includes knowledge about financial statement structure and business entity types.
Basic experience analyzing and monitoring commercial lines of credit and term loans (both secured and unsecured), as well as income property real estate, non-profit lending or other specialty lending types.
Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
Possess excellent written, verbal and interpersonal skills, including presentation skills.
Experience working with bank credit policies, procedures, practices and documentation.
Proficiency with personal computers and related software packages such as Word, Excel, PowerPoint, and other business machines.

Nice To Haves

Occasional travel

Responsibilities

Analyzes and evaluates customer credit information for new and renewal credit requests within the Native American Banking and Gaming business line.
Collaborates with other team members to prepare timely, high quality and concise credit recommendations needed to obtain credit approval and meet customer needs.
Analyze business, industry, financial data and other supporting credit information concerning an applicant’s credit request; presents facts to, and collaborates with, Portfolio Managers, CSMs and Commercial Relationship Managers to identify key business and financial risks.
Prepare timely, concise and accurate credit recommendations, with normal level of supervision.
Monitor borrower financial performance in line with commercial and/or real estate loan documents; spread financial statements and/or ensures required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete and adhere to approval conditions and loan documentation.
Collaborates with Portfolio Manager/CSM to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.
Partner with Portfolio Managers, CSMs and Native American Banking Relationship Managers in customer and prospect calls as appropriate; offers insight into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools.
Partner with Portfolio Managers, CSMs or Native American Banking Relationship Managers to follow up with customers to obtain all necessary information and clarification on financial analysis materials and resources; ensures customer is approved for all ancillary products.
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.

Benefits

competitive total rewards package
comprehensive 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
holidays