Middle Market Underwriter

Columbia Bank•San Diego, CA

1d•$75,000 - $120,000•Onsite

About The Position

The Middle Market Underwriter analyzes and evaluates customer credit information for new and renewal Middle Market credit requests, including working capital lines of credit, asset-based lines of credit, commercial real estate loans (owner-occupied and investor), and equipment financing. Requests most often involve simple to moderately complex enterprises with revenues greater than $5 million. The role collaborates with Client Solutions Managers (CSMs) and Relationship Managers to prepare timely, high-quality, concise credit recommendations that support credit approval and customer needs. The position analyzes business, industry, financial data, and other supporting credit information; identifies key business and financial risks; prepares credit analyses and recommendations; applies risk-rating models; identifies and mitigates policy, guideline, procedural, and regulatory exceptions; and codes loans appropriately. It also monitors borrower financial performance, spreads financial statements, checks covenant calculations against approval conditions and loan documentation, and works with CSMs to resolve covenant violations. The underwriter may participate in customer and prospect calls, help identify relationship-expansion opportunities, and follow up with customers to obtain information needed for analysis and ancillary product approvals. The role requires compliance with applicable banking regulations, Bank policies and procedures, and required training, including maintaining working knowledge of applicable regulations such as the Bank Secrecy Act, Regulation CC, and Regulation E. The underwriter may coach, mentor, or train others, supports Columbia Bank’s corporate culture and vision, and may perform other assigned duties. Occasional travel is required. The position is fully onsite at the posted location in San Diego, California.

Requirements

Two to four years of commercial credit analysis or underwriting experience, or equivalent.
Demonstrated acceptable completion of Intermediate Accounting classes at an accredited university or college and/or completion of bank credit underwriting training.
Ability to spread company and personal financial statements, including income tax returns, using Moody’s Risk Analyst or a comparable spreading tool.
Knowledge of financial statement structure and business entity types.
Basic experience analyzing and monitoring commercial lines of credit and term loans, secured and unsecured, as well as income-property real estate, nonprofit 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 communication skills.
Ability to document effective presentations using Excel, Word, or other related software and business tools.
Experience working with bank credit policies, procedures, practices, and documentation.

Responsibilities

Analyze and evaluate customer credit information for new and renewal Middle Market credit requests, including working capital and asset-based lines of credit, commercial real estate loans, and equipment financing.
Analyze business, industry, financial data, and supporting credit information, and collaborate with CSMs and Relationship Managers to identify key risks, structure loans, and support credit recommendations.
Prepare timely, concise, and accurate credit recommendations, including quantitative underwriting analysis and appropriate risk-rating model components.
Identify and mitigate exceptions to Bank policies, guidelines, procedures, and compliance regulations, and code loans consistently with the borrowing relationship and credit terms.
Monitor borrower financial performance under commercial and real estate loan documents; spread financial statements or ensure they are spread according to Bank Guidelines.
Ensure covenant calculations are accurate, complete, and consistent with approval conditions and loan documentation; collaborate with CSMs on borrower notifications and timely resolution of violations.
Partner with CSMs and Relationship Managers on customer and prospect calls as appropriate, offering insight into financial needs and relationship expansion opportunities.
Follow up with customers to obtain information and clarification needed for financial analysis and ensure approval for ancillary products.
Comply with bank regulations, policies, procedures, and required annual or job-specific training; maintain current knowledge of applicable regulations.
Coach, mentor, or train others and teach coursework as a subject matter expert when asked.
Demonstrate and foster Columbia’s corporate culture, take personal initiative, and support the vision to become the “Business Bank of Choice.”
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
Access to an online discount marketplace
Paid vacation, sick days, volunteer days, and holidays
Potential eligibility for performance-based incentive compensation