Commercial Loan Portfolio Manager

Columbia Banking System; Redding (CA); On-site; USD 93,000 - 165,000; Full time

Benefits offered by this job

Healthcare coverage

401(k) retirement plan with match

Life and disability insurance

Tuition assistance

Paid time off

Mental health resources

Identity theft protection

Job summary

Columbia Bank is seeking an experienced Commercial Underwriter to manage a $50–$200 million loan portfolio in the Redding, CA area. You will underwrite, monitor credit risk, and collaborate with the Commercial Relationship Manager to support client relationships and cross-sell products.

The role requires strong financial analysis, presentation skills, and in-depth knowledge of credit policies. Onsite work in Redding, CA with regular interaction with Credit Administration and customers.

Qualifications

• 4-7 years of relevant commercial lending experience and/or prior experience as a Commercial Credit Underwriter or Commercial Relationship Manager (Required)
• Strong knowledge of commercial underwriting, credit monitoring and portfolio management.
• Advanced understanding of credit policy and procedures and can accurately risk-rate loans/credits, evaluates both cash-flow and collateral-based loans/credits.
• Advanced proficiency with MS Excel, Word, and PowerPoint.
• Excellent verbal, written, interpersonal and presentation skills.

Responsibilities

• Underwrite, credit monitor, and manage a $50–$200 million commercial loan portfolio.
• Analyze financial data to determine merits of loan requests and present recommendations to Credit Administration.
• Partner with the Commercial Relationship Manager as the client liaison and cross-sell bank products.
• Ensure compliance with credit policy, procedures, and regulatory guidelines across the portfolio.
• Attend customer meetings and expand relationships by promoting bank products and services.

Skills

Commercial underwriting

Credit monitoring

Portfolio management

Relationship management

Financial analysis

Cross-selling

MS Excel

PowerPoint

MS Word

Presentation skills

Tools

MS Excel

MS Word

PowerPoint

Job description

About the Role:Responsible for underwriting, credit monitoring, and managing a $50-$200 million portfolio of Commercial Banking relationships.Manage and monitor a large commercial loan portfolio and commercial relationships by analyzing financial data to determine the merits of specific loan requests and make formal recommendations and presentations to Commercial Relationship Manager and Credit Administration.Partner with the Commercial Relationship Manager as the point of a contact for the client; acting as a liaison to the Credit Department, the Commercial support staff and other internal business partners.Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines.Attends meetings with customers; expands existing relationships by assessing customer needs and proactively promotes and cross markets bank products and services, and keeps client informed of special promotions.Works on complex problems requiring in-depth evaluation of client information.Ensure the loan portfolio is properly risk rated. Makes decisions on loans and terms within established lending limits, or refers these issues to next appropriate level of authority. Analyzes credit to determine the ability of customers and prospective customers to qualify for ensuing borrowing requirements.Conducts due diligence/analysis with new client relationships as appropriate.Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts and ongoing repayment ability of all other accounts.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.About You:EducationExperience4-7 years — of relevant commercial lending experience and/or prior experience as a Commercial Credit Underwriter or Commercial Relationship Manager (Required)SkillsStrong knowledge of commercial underwriting, credit monitoring and portfolio management.Strong relationship management and business development abilities, analytical and problem solving skills, strong sales skills and credit and credit quality skills.Advanced understanding of credit policy and procedures and can accurately risk-rate loans/credits, evaluates both cash-flow and collateral-based loans/credits.Advanced knowledge of commercial bank products and services that result in successfully capitalizing on all opportunities to cross-sell the bank’s products.Excellent verbal, written, interpersonal and presentation skills.Strong analytical and problem solving skills and ability to exercise sound business judgment.Ability to work effectively with individuals and groups across the company to manage customer relationships.Ability to partner effectively with team (i.e. Commercial Relationship Manager, Underwriter) and Credit Administration.Advanced knowledge of commercial lending policies, procedures, practices and documentation.Advanced proficiency with personal computers and related software packages such as MS Excel, Word, and PowerPoint.Ability to train and present to small and large audiencesTravel RequirementsFrequentThe pay range for this role is $93,000.00 to $165,000.00.The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.Primary Location: Ability to work fully onsite at posted location(s).1951 Churn Creek Redding CA 96002Our Benefits:We are proud to offer a competitive total rewards package including base wages and comprehensive benefits.We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an 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, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.Our Commitment to Diversity: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. If you require an accommodation to complete the application or interview(s), please let us know by email: [e-mail] .To Staffing and Recruiting Agencies:Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.