Commercial Underwriter - Native American Banking & Gaming

Columbia Bank; Scottsdale (AZ); Presencial; USD 70 000 - 120 000; Tempo integral

Resumo da oferta

Columbia Bank is seeking a commercial credit analyst to evaluate customer credit information for new and renewal requests within our Native American Banking and Gaming business line. You will analyze financial data, prepare concise credit recommendations, and collaborate with Portfolio Managers, CSMs and Relationship Managers to identify risk and structure loans.

The role requires 2–4 years of commercial credit analysis experience, solid accounting knowledge, and proficiency with Moody’s Risk

Qualificações

• Experience analyzing business and financial data for credit requests.
• Proficiency with Moody’s Risk Analyst or similar spreading tools.
• Knowledge of commercial lending including lines of credit and real estate loans.
• Familiarity with bank credit policies, procedures and documentation.
• Strong written and verbal communication skills.
• Proficiency with MS Office applications.

Responsabilidades

• Analyze customer credit information for new and renewal requests within the designated business line.
• Prepare concise credit recommendations with quantitative and qualitative analysis.
• Spread financial statements and calculate covenants per loan terms.
• Collaborate with Portfolio Managers, CSMs and Relationship Managers to identify risks and structure loans.
• Monitor borrower performance and ensure compliance with loan documents and policies.
• Support regulatory training and maintain knowledge of applicable regulations.

Conhecimentos

Intermediate Accounting

Credit analysis

Financial statement spreading

Communication skills

Bank policy knowledge

Excel

PowerPoint

Verbal/written communication

Formação académica

2–4 years commercial credit analysis experience

Ferramentas

Moody’s Risk Analyst

Excel

Word

PowerPoint

Descrição da oferta de emprego

About the Role:

Analyzes and evaluates customer credit information for new and renewal credit requests within the Native American Banking and Gaming business line, comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor), equipment financing; Governmental obligations, tax revenue financings, and gaming and other tribal enterprise financings; most often from moderate-to-complex governments and enterprises with revenues generally greater than $5 million. Collaborate with other team members 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; 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 Portfolio Manager/CSM to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.
• Partner with Portfolio Managers, CSMs and Native American Banking 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 Native American Banking 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 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 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 presentation skills.
• Experience working with bank credit policies, procedures, practices and documentation.
• Proficiency with personal computers and related software packages such as Word, Excel, PowerPoint, and other business machines.

Travel Requirements

• Occasional

The pay range for this role is $70,000 - $120,000.

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).

2200 Paseo Verde Pkwy Suite 100 Henderson NV 89052

Our 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].