Commercial Underwriter

About the Role

Analyses and evaluates customer credit information for new and renewal C&I and CRE credit requests, including working capital lines of credit, asset‑based lines of credit, commercial real estate loans (owner occupied and investor) and equipment financing. Works with Commercial Portfolio Managers, Client Solutions Managers (CSMs) and Commercial Relationship Managers to prepare timely, high‑quality and concise credit recommendations that support credit approval and meet customer needs.

Key responsibilities include:

analyzing business, industry, and financial data; presenting facts to senior staff; identifying key business and financial risks; developing quantitative components of the underwriting narrative; applying dual risk rating models; ensuring compliance with all bank policies, procedures, guidelines and regulations; coding loans correctly; monitoring borrower performance against loan documents; coordinating borrower notifications and approvals; participating in customer and prospect calls; identifying opportunities for relationship expansion;

and continuing to develop technical and regulatory knowledge.

Minimum 2‑4 years of commercial credit analysis or underwriting experience or equivalent.

• Intermediate accounting skills and knowledge.
• Proficient at spreading company and personal financial statements, including income tax returns, using Moody’s Risk Analyst or comparable tools.
• Experience analyzing and monitoring commercial lines of credit, term loans (both secured and unsecured), income property real estate, non‑profit lending, or other specialty lending types.
• Effective collaboration with cross‑functional teams to manage internal and external customer relationships.
• Excellent written, verbal and interpersonal (presentation) skills.
• Familiarity with bank credit policies, procedures, practices and documentation.
• Proficiency with Word, Excel, PowerPoint and related business software.

Occasional travel may be required.

$62,000.00 – $, with additional performance‑based incentive compensation.

404 N Main Street, Phoenix, OR 97535 (full‑time on‑site).

• Healthcare coverage: medical, dental, and vision plans.
• 401(k) retirement plan with employer match.
• Employee assistance program.
• Life and disability insurance.
• Tuition assistance and 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.

Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics.