CRE Underwriting Director

Columbia Bank • Lake Oswego, OR

3d • $166,000 - $295,000 • Onsite

About The Position

About the Role: Manages the CRE loan portfolio, credit review, training process/function, DRR accuracy, and operations. Reviews recommendations for CRE lines of business (CRED, Home Builder Finance, Affordable Housing, and small ticket Multifamily) for non-owner-occupied investment income real estate. Ensure accuracy and compliance within a defined scope and in partnership with CRE Managers in order to manage risk exposure consistent with bank loan quality guidelines that results in audit readiness. Manages the CRE loan portfolio, credit review, training process/function, DRR accuracy, and operations. Reviews recommendations for CRE lines of business (CRED, Home Builder Finance, Affordable Housing, and small ticket Multifamily) for non-owner-occupied investment income real estate. Ensure accuracy and compliance within a defined scope and in partnership with CRE Managers in order to manage risk exposure consistent with bank loan quality guidelines that results in audit readiness. Collaborates, consults, and partners with CRE Managers, Relationship Managers and Underwriters to develop high quality credit recommendations and loan portfolios. Coaches CRE Underwriters and Credit Analyst in the development of complete, accurate and well-structured recommendations (credit/underwriting), including guidance and advice on financial analyses, loan structuring and other credit skills. Advises on the risk rating process and ensures timely and accurate documentation of rating migrations. Monitors and verifies risk rating accuracy, for the loan portfolios, as well as individual loans submitted for approval. Helps maintain CRE credit quality standards and provides strong and consistent credit leadership. Contributes to the development of credit policies, processes and methodologies. Ensures CRE department is aware of all relevant changes in credit requirements. Responsible for ensuring preparedness and compliance with all CRE audits and exams with credit & operational focus. Develops training for CRE associates on related audit findings for continuous improvement. Responsible for operational continuity and reporting (i.e., past-due payments, loan maturities, etc.) and dashboard maintenance and development. Attends as CRE representative on cross functional bank wide taskforces and projects with CQA, Credit Review, and Regulatory Affairs. Responsible for managing a team of CRE Credit Analysts including training, mentoring, developing and performance managing. 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

• More than 10 years — of relevant commercial real estate lending and credit experience. (Required)
• 4-7 years — of experience as supervisor/manager, mentorship role, reviewing others work and providing advice on best practices and compliance. (Required)
• Experience developing, modifying, and executing company policies that affect immediate operation(s) of lines of business within Commercial Real Estate (CRE).
• Ability to regularly interact with senior management or executive levels on matters concerning several functional areas, divisions and/or customers.
• Requires the ability to change the thinking of, or gain acceptance of, others in sensitive situations.
• Excellent relationship management abilities, analytical and problem-solving skills, and credit and credit quality skills.
• Expert knowledge of Wholesale Commercial Real Estate (non-owner-occupied investment income real estate) products and services that result in successfully underwriting and monitoring all bank products and portfolios.
• Experience managing and developing others and ability to build and maintain relationships.
• Excellent planning and organization skills with the ability to change course (adaptable) at a moment’s notice.
• Excellent written and verbal communication skills.
• Proficiency with personal computers and related software packages such as Word and Excel, and other business machines.
• Ability to train and present to small and large audiences or has the interest in learning to train and present.
• Ability to work under tight timelines, and high-volume levels in keeping with established Service Level Agreement for position.

Responsibilities

• Manages the CRE loan portfolio, credit review, training process/function, DRR accuracy, and operations.
• Reviews recommendations for CRE lines of business (CRED, Home Builder Finance, Affordable Housing, and small ticket Multifamily) for non-owner-occupied investment income real estate.
• Ensure accuracy and compliance within a defined scope and in partnership with CRE Managers in order to manage risk exposure consistent with bank loan quality guidelines that results in audit readiness.
• Collaborates, consults, and partners with CRE Managers, Relationship Managers and Underwriters to develop high quality credit recommendations and loan portfolios.
• Coaches CRE Underwriters and Credit Analyst in the development of complete, accurate and well-structured recommendations (credit/underwriting), including guidance and advice on financial analyses, loan structuring and other credit skills.
• Advises on the risk rating process and ensures timely and accurate documentation of rating migrations.
• Monitors and verifies risk rating accuracy, for the loan portfolios, as well as individual loans submitted for approval.
• Helps maintain CRE credit quality standards and provides strong and consistent credit leadership.
• Contributes to the development of credit policies, processes and methodologies.
• Ensures CRE department is aware of all relevant changes in credit requirements.
• Responsible for ensuring preparedness and compliance with all CRE audits and exams with credit & operational focus.
• Develops training for CRE associates on related audit findings for continuous improvement.
• Responsible for operational continuity and reporting (i.e., past-due payments, loan maturities, etc.) and dashboard maintenance and development.
• Attends as CRE representative on cross functional bank wide taskforces and projects with CQA, Credit Review, and Regulatory Affairs.
• Responsible for managing a team of CRE Credit Analysts including training, mentoring, developing and performance managing.
• 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

• We are proud to offer a competitive total rewards package including base wages and comprehensive benefits.
• We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an 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, and paid vacation, sick days, volunteer days, and holidays.
• Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Education Level: No Education Listed