Commercial Underwriter

About the Role

Analyzes and evaluates customer credit information for new and renewal C&I and CRE credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from simple to moderately complex enterprises . Collaborate with other team members ({Commercial Portfolio Managers, Client Solutions Managers ("CSMs") and Commercial Relationship Managers) to prepare timely, high quality and concise credit recommendations needed to obtain credit approval and meet customer needs.

Analyze business, industry, financial data and other supporting credit information concerning an applicant’s credit request; presents facts to, and collaborates with, Portfolio Managers, CSMs and Commercial Relationship Managers to identify key business and financial risks allowing Portfolio Managers, CSMs and Commercial Relationship Manager to derive conclusions, structure loans and support the credit recommendation. Prepare timely, concise and accurate credit recommendations, with normal level of supervision.

Includes:

(1) quantitative components within the underwriting narrative documenting the credit analysis

(2) accurate use of risk rating scoring models (aka Dual Risk Rating), both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated

(3) accurate identification and mitigation of all exceptions to Bank tracked policies exceptions (TPE), tracked guidelines exceptions (TGE), procedures and compliance regulations

(4) accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s)

Monitor borrower financial performance in line with commercial and/or real estate loan documents; spread financial statements and/or ensures required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete and adhere to approval conditions and loan documentation. Collaborates with Portfolio Manager/CSM to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.

Partner with Potfolio Managers, CSMs and Commercial Relationship Managers in customer and prospect calls as appropriate; offers insight into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools. Partner with Portfolio Managers, CSMs or Commercial Relationship Managers to follow up with customers to obtain all necessary information and clarification on financial analysis materials and resources; ensures customer is approved for all ancillary products.

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. 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.

Education Experience

Education Experience 2-4 years — of commercial credit analysis or underwriting experience or the equivalent.

Required Skills

Intermediate Accounting skills and knowledge. Proven ability to spread company and personal financial statements, including income tax returns, using Moody’s Risk Analyst or other comparable spreading tool; includes knowledge about financial statement structure and business entity types. Basic experience analyzing and monitoring commercial lines of credit and term loans (both secured and unsecured), as well…