Middle Market Underwriting Manager

Columbia Bank•San Diego, CA

1d•$145,000 - $195,000•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 applicable policies, and timely service to sales staff and customers. The manager oversees credit work products and portfolio quality; manages and develops Credit Analysts, Commercial Underwriters, and Loan Portfolio Managers; and coordinates with internal teams on workflow, audit matters, and credit processes. The position is fully onsite at 4370 La Jolla Village Dr, Suite 300, San Diego, CA 92122, with occasional travel. The role pays $145,000 to $195,000 and may be eligible for performance-based incentive compensation.

Requirements

Bachelor's degree in Business, Finance, Accounting, or a related field is preferred.
4–7 years of commercial underwriting, loan portfolio management, or other related experience required.
4–7 years of related supervisory or management experience required.
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 interpret credit reports, financial tables and charts, financial ratios, tax returns, and other financial statements and information.
Excellent written and verbal communication skills, including ability to prepare written reports, correspondence, and required financial and background information.
Experience managing and developing others, building and maintaining relationships, and attracting, motivating, and retaining talent.
Proficient with word processing, spreadsheet, and industry-specific software.

Nice To Haves

Knowledge of SBA 504 credit and environmental policies, SBA 504 lending and eligibility standards, and SBA 504 documentation, if applicable to the assigned position.
Experience with Word, Excel, CreditLens, and nCino.

Responsibilities

Oversee workflow for credit underwriting and loan portfolio management within an assigned business line, coordinating with other work groups to support smooth operations and timely service.
Direct timely and accurate completion of credit authorizations, commitment letters, and other work products.
Oversee initial reviews of credit requests and make recommendations to the Credit Director, ensuring compliance with bank policies and procedures.
Oversee loan portfolio management to maintain consistent, high-quality, timely work that complies with credit policies and procedures.
Manage Credit Analysts, Commercial Underwriters, and Loan Portfolio Managers, including hiring, ongoing training, performance reviews, coaching, and development; may manage and lead internships for local university students.
Oversee accurate and uniform client communications, including commitment letters, declinations, and needs letters, and ensure regulatory compliance.
Monitor 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 to build understanding of 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.
Comply with applicable bank regulations, policies, procedures, and required training; keep current on regulatory changes and maintain working knowledge of relevant written policies, including Bank Secrecy Act, Regulation CC, Regulation E, and Bank Security.
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, set a positive example, 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