Middle Market Underwriting Manager

Columbia Bank•San Diego, CA

1d•Onsite

About The Position

The Middle Market Underwriting Manager oversees workflow for a credit underwriting and loan portfolio management team within an assigned business line. The role ensures comprehensive analysis of new credit requests and servicing actions, adherence to bank credit-quality guidelines and other applicable policies, and timely service to sales staff and customers. The manager directs completion of credit authorizations, commitment letters, and other work products; oversees initial reviews and recommendations to the Credit Director; and manages portfolio quality and compliance with credit policies and procedures. The position manages Credit Analysts, Commercial Underwriters, and Loan Portfolio Managers, including hiring, training, performance reviews, coaching, and development. It may also involve managing and leading internships for local university students. The manager oversees accurate client communications, ensures regulatory compliance, serves as a point of contact for underwriting and approval processes, coordinates responses to audit exceptions, makes servicing credit determinations, reviews assigned deteriorating files, prepares Loan Committee presentations, and conducts annual credit-quality reviews on assigned files. The role facilitates understanding of bank credit policies and systems through training, administers assignments and follows up on complex credits, participates in internal credit and pipeline calls as needed, and may coach or train others as a subject matter expert. The manager is expected to keep current with regulatory changes, follow bank policies and required training, and actively foster Columbia Bank’s corporate culture and vision. Other duties may be assigned. The role is based fully onsite at 4370 La Jolla Village Dr, Suite 300, San Diego, CA 92122, with occasional travel. The pay range is $145,000 to $195,000, with possible performance-based incentive compensation. Benefits are available to eligible associates scheduled to work at least 30 hours weekly, beginning the first day of the month after hire.

Requirements

4–7 years of commercial underwriting, loan portfolio management, or other related experience.
4–7 years of related supervisory or management experience.
Proficient knowledge of underwriting, loan documentation, appraisal, and closing processes.
Advanced knowledge and experience managing a commercial loan portfolio.
Proficient knowledge of bank policies and documentation.
Strong leadership, problem-solving, analytical, mathematical, customer-service, and interpersonal skills.
Ability to read and interpret credit reports, financial tables and charts, financial ratios, tax returns, and other financial statements and information.
Excellent written and verbal communication skills.
Ability to prepare written reports, correspondence, and required financial and background information.
Experience managing and developing others and ability to build and maintain relationships.
Commitment to attracting, motivating, and retaining top talent.
Occasional travel required.

Nice To Haves

Bachelor’s degree in Business, Finance, Accounting, or a related field (preferred).
Knowledge of SBA 504 credit and environmental policies, SBA 504 lending and eligibility standards, and SBA 504 documentation, if applicable to the assigned position.
Proficiency with Word, Excel, CreditLens, and nCino; CreditLens and nCino are preferred.

Responsibilities

Oversee workflow management for the credit underwriting and loan portfolio management team within an assigned business line.
Ensure comprehensive analysis of new credit requests and servicing actions, adherence to credit-quality guidelines and policies, and timely service to sales staff and customers.
Direct timely and accurate completion of credit authorizations, commitment letters, and other work products.
Oversee initial credit-request reviews and make recommendations to the Credit Director.
Oversee loan portfolio management to ensure consistent, high-quality, timely work that complies with credit policies and procedures.
Manage Credit Analysts, Commercial Underwriters, and Loan Portfolio Managers, including hiring, training, performance reviews, coaching, and development.
Potentially manage and lead credit analyst internships for local university students.
Oversee accurate and uniform written client communications, including commitment letters, declinations, and needs letters.
Ensure compliance with applicable regulations and serve as the point of contact for underwriting and approval processes.
Coordinate with Credit Administration and Internal Asset Review to respond to audit exceptions.
Make credit determinations for servicing requests and review assigned deteriorating files.
Prepare Loan Committee presentations and perform annual credit-quality reviews on assigned files.
Train direct reports and internal partners on bank credit policies and systems.
Administer assignments and follow up on complex credits; answer related questions from direct reports and employees in other departments.
Participate in internal credit and pipeline calls as necessary.
Keep current on regulatory changes, follow bank policies and procedures, and complete required annual or job-specific training.
Maintain working knowledge of applicable written policies and regulations, including Bank Secrecy Act, Regulation CC, Regulation E, and Bank Security requirements.
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
Online discount marketplace
Paid vacation
Paid sick days
Paid volunteer days
Paid holidays
Possible performance-based incentive compensation