Retail Loan Support Specialist

Columbia Bank•Salem, OR

2d•Onsite

About The Position

Serves on the process and portfolio team for consumer, business, and SBA centralized lending. Develops and grows business lending acumen through coordination of focused and broad training, guideline and procedure creation or clarification, and suggested system enhancements for the retail network. Represents retail interests in bank-wide lending initiatives and planning. Participates in management of the retail network loan portfolio. Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training. Works with partners to ensure consumer and small business credit matrices, policies/guidelines are implemented, tested, and monitored in the Loan Origination System (LOS), in alignment with the Bank’s credit policies and desired credit quality results that will serve the needs of the Retail Bank client and associates to maximize efficiency, consistency, and quality of work product. Collaborate with HR/Training and Retail leadership to develop and deliver advanced lending training content to branch associates. Services as subject matter expert. Develops effective communication with the Dir of Retail Lending and business line partners for the small business, consumer, and SBA loan approval processes, as well as monitors portfolio performance. Deepen associates’ lending knowledge by developing and contributing to consumer, business and SBA credit training and portfolio service functions to support the Bank’s risk parameters and growth goals. Assists in the development of credit service strategies, policies, and procedures to optimize the various credit and support functions based on Columbia’s existing portfolio and footprint and provides a scalable credit and support function to support anticipated Columbia growth. Participate and lead successful completion of department tasks, goals and objectives while supporting growth and development and giving timely performance feedback. Lead and/or participate in projects that have impact across lines of business and are in line with Columbia Bank’s mission and key objectives. Serve as a key resource for retail bankers and retail managers. Ensure frontline lending processes remain compliant and functional. Assist in new lending product and process development. Manage the retail portfolio by monitoring maturities, collateral perfection, adherence to compliance and regulatory requirements, and charge-offs. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training. Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description. May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words. Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become “Business Bank of Choice” May perform other duties as assigned.

Requirements

5 years: Business and consumer lending experience (Required)
1 year: Centralized lending experience (Required)
Advanced knowledge of business and consumer lending regulations, policies, methods of operation
Advanced knowledge of credit risk
Demonstrated experience developing, modifying, or executing policies and procedures
Demonstrated ability to regularly interact with and present data to senior leadership
Successful and effective experience training and presenting to large and small audiences
Experience directing and influencing the work of others, with the ability to build and maintain internal relationships
Excellent written and verbal communication skills
Possess strong computer skills including use of Microsoft Office suite
Ability to work fully onsite at posted location(s).
Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training.
Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.
Maintains a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.

Nice To Haves

Bachelor’s Degree: Bachelors in business, accounting, economics, or equivalent (Preferred)

Responsibilities

Develops and grows business lending acumen through coordination of focused and broad training, guideline and procedure creation or clarification, and suggested system enhancements for the retail network.
Represents retail interests in bank-wide lending initiatives and planning.
Participates in management of the retail network loan portfolio.
Ensures consumer and small business credit matrices, policies/guidelines are implemented, tested, and monitored in the Loan Origination System (LOS), in alignment with the Bank’s credit policies and desired credit quality results.
Collaborates with HR/Training and Retail leadership to develop and deliver advanced lending training content to branch associates.
Serves as subject matter expert.
Develops effective communication with the Dir of Retail Lending and business line partners for the small business, consumer, and SBA loan approval processes, as well as monitors portfolio performance.
Deepens associates’ lending knowledge by developing and contributing to consumer, business and SBA credit training and portfolio service functions.
Assists in the development of credit service strategies, policies, and procedures to optimize the various credit and support functions.
Participates and leads successful completion of department tasks, goals and objectives.
Leads and/or participates in projects that have impact across lines of business.
Serves as a key resource for retail bankers and retail managers.
Ensures frontline lending processes remain compliant and functional.
Assists in new lending product and process development.
Manages the retail portfolio by monitoring maturities, collateral perfection, adherence to compliance and regulatory requirements, and charge-offs.
Demonstrates compliance with all bank regulations for assigned job function.
Keeps up to date on regulation changes.
Maintains a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable.
May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words.
Takes personal initiative and is a positive example for others to emulate.
Embraces our vision to become “Business Bank of Choice”.
May perform other duties as assigned.

Benefits

Comprehensive healthcare coverage (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
Holidays