Middle Market Regional Credit Director
About The Position
The Middle Market Regional Credit Director provides credit support for a large and complex commercial portfolio and leads a team of Underwriters. The role ensures thorough analysis of new credit requests and servicing actions, compliance with bank credit quality guidelines and applicable policies, and effective coordination across work groups to support timely service to sales staff and customers. The Director assesses loan requests and portfolio risk, makes or presents formal credit recommendations, and makes lending decisions within established authority or refers matters to the appropriate approval level. The role manages credit programs and processes, oversees annual loan reviews, evaluates risk ratings and collateral, and takes timely action on identified risks. It also develops Underwriters and supports customer relationship development and retention, coordinating with internal departments and external providers throughout credit decisions and documentation. The position requires compliance with applicable banking regulations, policies, procedures, and training requirements, including maintaining working knowledge of relevant bank policies and regulations. The Director may coach or train others, serves as a positive example, and actively supports Columbia's corporate culture and vision. The role is fully onsite at the posted Irvine, California location, with occasional travel. The stated pay range is $175,000 to $250,000; the selected candidate's pay depends on job-related factors, and the role may be eligible for performance-based incentive compensation.
Requirements
- More than 10 years of experience in senior credit approval, commercial lending, and/or underwriting.
- 7–10 years of supervisory or management experience.
- Significant experience and in-depth knowledge of lending, underwriting, and the finance industry.
- Advanced knowledge of credit risk factors and the ability to appropriately rate credits.
- Extensive experience with banking regulations, policies, and methods of operation.
- Proven leadership, organizational, negotiation, decision-making, problem-solving, and analytical abilities.
- Proven ability to drive results in a team-oriented, goal-driven environment and partner with other leaders to maximize results.
- Excellent written and verbal communication skills.
- Strong computer skills, including Microsoft Office, and ability to learn new business software as needed.
Nice To Haves
- Bachelor's degree in Business, Finance, Accounting, or a related field (preferred).
- Master's degree in Business, Accounting, Finance, or a related field (preferred).
Responsibilities
- Provide credit support for a large and complex commercial portfolio and a team of Underwriters.
- Ensure comprehensive analysis of new credit requests and servicing actions and adherence to bank credit quality guidelines and applicable policies.
- Coordinate workflow with other work groups to support smooth credit department operations and timely service to sales staff and customers.
- Analyze financial data and commercial loan requests, assess portfolio risk, and make or present formal recommendations to Relationship Managers and Credit Administration.
- Develop and implement credit programs and processes for accurate, timely assessment of loan and portfolio risk and appropriate action on identified risks.
- Make loan and loan-term decisions within established lending limits or refer matters to the appropriate authority.
- Manage and develop Underwriters to produce complete loan application packages and streamline application and approval processes.
- Evaluate credits and risk ratings, recommend appropriate actions, and monitor collateral values, valuation dates, and methodology.
- Oversee completion of annual loan reviews for each credit in the portfolio.
- Participate in developing and retaining customer relationships.
- Coordinate with internal appraisal, environmental, and legal departments and external service providers during credit decisions and documentation.
- Comply with bank regulations, policies, procedures, and required annual or job-specific training; keep current with regulatory changes.
- Maintain working knowledge of bank policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other applicable regulations.
- Coach, mentor, or train others and teach coursework as a subject matter expert, as needed.
- Demonstrate and foster Columbia's corporate culture, take personal initiative, and serve as a positive example.
- Perform other duties as assigned.
Benefits
- 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
- Online discount marketplace
- Paid vacation
- Paid sick days
- Paid volunteer days
- Paid holidays
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What This Job Offers
Job Type
Full-time
Career Level
Director
