Middle Market Commercial Underwriter

Columbia Bank•Irvine, CA

3d•$75,000 - $130,000•Onsite

About The Position

This role involves analyzing and evaluating customer credit information for new and renewal C&I and CRE credit requests, including working capital lines of credit, asset-based lines of credit, commercial real estate loans, and equipment financing, typically for simple to moderately complex enterprises. The position requires collaboration with other team members such as Commercial Portfolio Managers, Client Solutions Managers (CSMs), and Commercial Relationship Managers to prepare high-quality credit recommendations. Key responsibilities include analyzing business, industry, and financial data, identifying risks, preparing credit recommendations with appropriate documentation, ensuring accurate risk rating, and monitoring borrower financial performance against loan documents. The role also involves partnering with other teams on customer calls, obtaining necessary financial information, and ensuring compliance with all bank regulations and policies.

Requirements

2-4 years of commercial credit analysis or underwriting experience or the equivalent.
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.
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.
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.

Responsibilities

Analyze and evaluate customer credit information for new and renewal C&I and CRE credit requests.
Collaborate with team members to prepare timely, high-quality credit recommendations.
Analyze business, industry, and financial data to identify key business and financial risks.
Prepare timely, concise, and accurate credit recommendations, including quantitative components and risk rating documentation.
Ensure accurate identification and mitigation of all exceptions to Bank tracked policies, guidelines, procedures, and compliance regulations.
Monitor borrower financial performance in line with loan documents and ensure accurate covenant calculations.
Partner with other teams in customer and prospect calls to offer insight into customer financial needs.
Follow up with customers to obtain necessary information and clarification on financial analysis materials.
Demonstrate compliance with all bank regulations and policies.
Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other applicable regulations.
May be asked to coach, mentor, or train others and teach coursework as a subject matter expert.
Actively learn, demonstrate, and foster the Columbia corporate culture.
Take personal initiative and be a positive example for others.
Embrace the vision to become “Business Bank of Choice”.
May perform other duties as assigned.