Credit Administrator III – Underwriting Manager

Glacier Bancorp, Inc.•Reno, NV

7d•Onsite

About The Position

The Credit Administrator III – Underwriting Manager leads and oversees the commercial credit underwriting function, ensuring high-quality credit analysis, prudent risk assessment, and compliance with bank policies, regulatory requirements, and sound lending practices. The role manages a team of commercial underwriters, provides credit guidance and coaching, and collaborates with commercial lenders, credit administration, loan operations, and senior management to support profitable loan growth while maintaining acceptable credit quality. It promotes consistent underwriting standards, timely credit decisions, and identification of potential credit risks in loan requests. The position directly supervises Commercial Loan Underwriters (Credit Analysts IV and V), including employee selection, performance management, workflow oversight, staff development, and operational oversight. It typically operates in a professional, usually quiet office environment and is on-site. Remote work may be considered case by case with Chief Credit Officer approval and based on business needs. Employees are expected to understand and comply with all aspects of the Bank Secrecy Act (BSA) and perform duties in accordance with bank BSA policies and procedures. Willful violations may result in civil and criminal penalties and termination. The role requires regular, reliable, and predictable attendance. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. The starting salary depends on relevant experience and may vary by geographic location; no salary range is stated. The employer does not sponsor work visas, and applicants must be legally authorized to work in the United States.

Requirements

Minimum of five years of experience in commercial lending or underwriting.
Deep knowledge of commercial lending, CRE, construction lending, financial statement and tax return analysis, and global cash flow.
Highly proficient knowledge of Microsoft Office.
Ability to understand and follow written and oral instructions.
Advanced ability to communicate effectively verbally and in writing.
Regular, reliable, and predictable attendance.
Ability to communicate effectively with employees, management, customers, regulators, auditors, and business partners, and to prepare, review, and present underwriting analyses, credit memoranda, reports, policies, and business correspondence.
Ability to perform complex financial and quantitative analyses, including calculating and interpreting financial ratios, cash flow, borrowing bases, global debt service coverage, repayment capacity, collateral margins, interest rates, profitability measures, stress-test results, and other credit risk metrics.
Ability to analyze complex financial, operational, and credit information and exercise sound judgment in underwriting and credit administration decisions.
Ability to evaluate credit risks and mitigating factors; interpret and apply loan policy, banking regulations, and underwriting standards; identify emerging credit concerns; resolve complex problems; and make informed recommendations.
Ability to manage competing priorities, oversee staff workflow, adapt to changing business needs, and communicate decisions effectively across organizational levels.
Ability to meet the stated physical demands, with or without reasonable accommodation, including frequent sitting and computer use; occasional standing, walking, climbing or balancing, stooping, kneeling, crouching or crawling; and occasionally lifting or moving up to 20 pounds.
Legally authorized to work in the United States; the employer does not sponsor work visas.

Nice To Haves

Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field preferred.
nCino and Jack Henry experience strongly preferred.
A four-year college degree or an equivalent combination of education and experience; an equivalent combination of education, commercial banking experience, and credit analysis experience may be considered.

Responsibilities

Supervise, mentor, and develop a team of commercial loan underwriters (Credit Analysts IV and V).
Establish performance expectations, monitor productivity and turnaround times, and conduct performance evaluations.
Allocate underwriting resources to manage workflow using nCino and ensure consistent application of underwriting standards and credit policies.
Provide ongoing training and professional development opportunities for underwriting staff.
Underwrite and complete Credit Authorizations in nCino for complex or large commercial, CRE, construction, and SBA loan requests.
Oversee analysis and underwriting of commercial loan requests, including investment and owner-occupied commercial real estate, construction, C&I, equipment financing, SBA financing, and other commercial lending products.
Ensure thorough evaluation of loan purpose, structure, terms, covenants, conditions, repayment sources, risk rating, and credit metrics in alignment with loan policy.
Analyze financial statements, tax returns, cash flow, global debt service coverage, borrowing bases, collateral valuations, stress tests, and third-party reports.
Identify and escalate complex credit issues and policy exceptions.
Support quality control requests, internal and external audits, loan reviews, and regulatory examinations.
Participate in customer meetings and credit discussions when necessary.
Participate in problem loan discussions, workout strategies, and credit risk mitigation efforts.
Support commercial lending production goals while maintaining adherence to loan policy.
Develop and maintain working relationships with commercial lenders, credit administration, credit analysts, loan operations, and senior management.
Work with senior management to recommend and implement process improvements that enhance underwriting efficiency and consistency.
Perform other duties as assigned.
Comply with BSA requirements and perform job duties in accordance with bank BSA policies and procedures.