Commercial Underwriter

Columbia Bank; United States; On-site; USD 75,000 - 135,000; Full time

Benefits offered by this job

Healthcare

401(k)

Employee assistance

Life insurance

Tuition assistance

Paid time off

Holidays

Job summary

Columbia Bank is seeking a Credit Analyst to evaluate customer credit information for Middle Market requests, including working capital lines, asset-based lines, commercial real estate, and equipment financing. You will collaborate with CSMs and Relationship Managers to prepare concise recommendations for credit approval, assess risk, and ensure compliance with bank policies.

The role requires 2–4 years of commercial credit analysis experience and a Bachelor's degree in

Qualifications

• Bachelor's degree in Business, Finance or Accounting or equivalent experience.
• 2–4 years of commercial credit analysis or underwriting experience.
• Experience spreading financial statements with Moody's or similar tools.

Responsibilities

• Analyze business and financial data to identify key risks.
• Prepare concise credit recommendations for approvals.
• Spread financial statements and ensure accuracy of covenant calculations.
• Collaborate with CSMs and Relationship Managers on credit opportunities.
• Ensure compliance with bank policies and regulatory requirements.

Skills

Credit analysis

Financial statement spread

Excel

Moody's Risk Analyst

Documentation

Education

Bachelor's degree in Business/Finance/Accounting

Tools

Moody's Risk Analyst

Job description

About the Role:

Analyzes and evaluates customer credit information for new and renewal Middle Market 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 with revenues greater than $5 million.

Collaborates with Client Solutions Managers (\"CSMs\") and 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, CSMs and Relationship Managers to identify key business and financial risks allowing CSMs and 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; and (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 CSM to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.

Partner with CSMs and 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 CSMs or 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.

About You:

Education Bachelor's Degree in Business, Finance, Accounting, or other related field or the equivalent in experience. Must have completed accounting class(es) acquired through an accredited university or college or bank credit training. (Required)

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

Skills Demonstrate acceptable completion of Intermediate Accounting classes acquired through an accredited university or college and/or completion of bank credit underwriting training. 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 as income property real estate, non-profit lending or other specialty lending types.

Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships. Possess excellent written, verbal and interpersonal skills, including documenting effective presentations using Excel, Word or other related software/business tools. Experience working with bank credit policies, procedures, practices and documentation.

Travel Requirements:

Occasional

Salary:

The pay range for this role is $75,000.00 to $135,000.00. 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.

Location:

Primary Location: Ability to work fully onsite at posted location(s). 790 E Colorado Blvd Suite 150 Pasadena CA 91101

Benefits:

• 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
• paid vacation
• sick days
• volunteer days
• holidays

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.

Accessibility:

If you require an accommodation to complete the application or interview(s), please let us know by email: [e-mail].

Company Culture:

At Columbia Bank, we're redefining what it means to bank and to build a career. As the West's premier banking experience, we combine the strength and scale of a leading financial institution with the heart and mindset of a community bank. With more than 350 locations across eight states, we deliver relationship-based service backed by regional expertise and resources that help families and businesses thrive.

We are proud to offer a competitive total rewards package including base wages and comprehensive benefits.

Our culture is built on Do RIGHT, which means:

Relationships: We create authentic connections with customers, colleagues, and communities.

Impact: Every role here makes a meaningful difference in people's lives and local economies.

Growth: We invest in your success with career development, mentorship, and learning opportunities.

Heart: We care deeply about doing what’s best for our customers and each other.

Trust: Integrity and transparency guide everything we do.