Commercial Underwriting Manager

Columbia Bank; Los Angeles (CA); On-site; USD 130,000 - 190,000; Full time

Benefits offered by this job

Healthcare options

401(k) retirement plan

Tuition assistance

Life insurance

Disability insurance

Paid vacation

Job summary

Columbia Bank is seeking a senior professional to oversee the Commercial underwriting and loan portfolio management team in the Los Angeles market. You will coordinate workflow, ensure adherence to credit policies, and supervise Credit Analysts, Underwriters, and Portfolio Managers.

You will lead training, performance reviews, and coaching, while maintaining compliance with regulations and driving high-quality, timely work for sales staff and customers at the 333 S Grand Ave, Los Angeles

Qualifications

• Bachelor's Degree in Business, Finance, Accounting, or related field (preferred).
• Experience 4–7 years of Commercial Underwriting or Loan Portfolio Management (Required).
• Supervisory/management experience (Required).

Responsibilities

• Oversee Commercial credit underwriting and loan portfolio management.
• Direct timely completion of credit authorizations and commitment letters.
• Coach and develop Credit Analysts, Underwriters, and Portfolio Managers.

Skills

Credit underwriting

Portfolio management

Leadership

Analytical skills

Communication

Regulatory knowledge

Data interpretation

Interpersonal skills

Education

Bachelor's Degree in Business or Finance

Tools

Word processing

Excel

T-Soft

FileMaker Pro

Job description

About the Role:

Responsible for oversight of workflow management for a Commercial credit underwriting and loan portfolio management team within an assigned market ensuring comprehensive analysis of all new credit requests and servicing actions, as well as adherence to bank credit quality guidelines and other applicable policies. Coordinate workflow with other work groups to ensure smooth operation of the credit department and timely service to sales staff and customers. Direct timely and accurate completion of Commercial credit authorizations, commitment letters, and other work products. Oversee initial reviews of credit requests and make recommendations to Credit Administrators while ensuring compliance with bank and other applicable policies and procedures. Oversee management of Commercial loan portfolio to ensure portfolio has consistent, high quality and timely work that complies with all credit policies and procedures. Responsible for management of Credit Analysts, Commercial Underwriters, and Loan Portfolio Managers, including hiring, on-going training, performance reviews, coaching/development. May be required to manage and lead Credit Analyst internships for local university students. Oversee accurate and uniform written communication to clients, including commitment letters, declinations, and needs letters. Ensure compliance with all applicable regulations. Monitor point of contact for all underwriting/approval processes. Coordinate with Credit Administration and Internal Asset Review to respond to audit exceptions. Credit determinations for servicing requests and review of assigned deteriorating files.. Perform annual credit quality reviews on assigned files. Facilitate a complete understanding of bank credit policies and systems through training of direct reports and internal partners. Administer assignments and follow up on all types of complex credits and serve as a point of contact for related questions from direct reports and employees from other departments. Participate in internal credit and pipeline calls as necessary. 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 related field (preferred) Experience 4-7 years — of Commercial Underwriting, Loan Portfolio Management or other related experience. (Required) 4-7 years — of related supervisory/management experience. (Required)

Skills:

Proficient knowledge of underwriting, loan documentation, appraisal, and closing processes. Advanced knowledge and experience managing a commercial loan portfolio. Proficient knowledge of bank policies and documentation. Knowledge of SBA Credit and Environmental policies, SBA lending and eligibility standards, and SBA documentation, if applicable to assigned position. Possess strong leadership, problem solving, analytical, mathematical, customer service, and interpersonal skills. Proven ability to read and interpret data from credit reports, financial tables and charts, financial ratios, tax returns, and other financial statements and information. Possess excellent written and verbal communication skills. Ability to prepare written reports, correspondence, and financial and background information required. Experience managing and developing others and the ability to build and maintain relationships. Demonstrates a commitment to attracting, motivating, and retaining top talent. Ability to work effectively with individuals and groups across the company to manage customer relationships. Ability to partner effective with team (i.e. Commercial Relationship Manager, Underwriter) and Credit Administration. Proficient in word processing, spreadsheet, and industry specific software (Word, Excel, T-Soft, and Filemaker Pro preferred).

Travel Requirements:

Occasional

The pay range for this role is $130,000.00 to $190,000.00.

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).

333 S Grand Ave Suites 3580 Los Angeles CA 90071

Our 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, 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].

Why work for Columbia Bank?

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. 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. A strong, stable financial foundation with over $67 billion in assets and a diverse portfolio that supports flexibility and opportunity. A culture of belonging and purpose, where your ideas matter and your work has impact. Competitive benefits and flexibility designed to help you thrive personally and professionally. Community engagement that matters, from supporting local businesses to empowering youth through financial literacy initiatives. Ready to Do RIGHT for your career, your community, and your future? Explore opportunities and join Columbia Bank today.