Commercial Underwriting Manager

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

Benefits offered by this job

Healthcare

401(k) with employer match

Tuition assistance

Life and disability insurance

Paid vacation

Sick days

Volunteer days

Holidays

Job summary

Columbia Bank is seeking an experienced banking professional to oversee commercial credit underwriting and loan portfolio management in Pasadena. You will supervise Credit Analysts, Underwriters, and Portfolio Managers, ensuring credit quality and adherence to bank policies while coordinating with Credit Administration and Internal Audit.

The role requires strong leadership, analytical, and communication skills, with the ability to mentor staff and drive process improvements in a regulated

Qualifications

• Bachelor’s degree or related field preferred.
• 4-7 years of Commercial Underwriting or Loan Portfolio Management experience.
• 4-7 years of supervisory/management experience.
• Proficient knowledge of underwriting, loan documentation, appraisal, and closing processes.
• Advanced knowledge managing a commercial loan portfolio.
• Strong leadership and analytical skills.
• Excellent written and verbal communication abilities.

Responsibilities

• Oversee underwriting approvals, commitment letters, and other work products.
• Manage Commercial loan portfolio to ensure high quality and timely work.
• Supervise and develop Credit Analysts, Underwriters, and Loan Portfolio Managers.
• Coordinate workflow with Credit Administration and Internal Audit.
• Provide training on bank policies and credit systems.

Skills

Leadership

Analytical skills

Financial analysis

Communication skills

Interpersonal skills

Team collaboration

Customer service

Excel

SBA knowledge

Education

Bachelor’s Degree in Business, Finance, Accounting

Tools

Word

Excel

T-Soft

Filemaker Pro

Job description

Overview

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 / Qualifications

• Bachelor’s Degree in Business, Finance, Accounting, or related field (preferred)
• 4-7 years of Commercial Underwriting, Loan Portfolio Management or related experience (Required)
• 4-7 years of supervisory/management experience (Required)
• 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
• Strong leadership, problem solving, analytical, mathematical, customer service, and interpersonal skills
• Ability to read and interpret data from credit reports, financial tables and charts, financial ratios, tax returns, and other financial statements and information
• 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 effectively with team (e.g., Commercial Relationship Manager, Underwriter) and Credit Administration
• Proficient in word processing, spreadsheet, and industry specific software (Word, Excel, T-Soft, and Filemaker Pro preferred)

Compensation, Location & Benefits

• Travel Requirements: Occasional
• The pay range for this role is $130,000.00 - $190,000.00
• The pay rate for the selected candidate is dependent upon non-discriminatory factors including knowledge, skills, experience, education, and geographic location
• The role may be eligible for performance-based incentive compensation
• Primary Location: Ability to work fully onsite at posted location(s). 790 E Colorado Blvd Suite 150 Pasadena CA 91101
• Our Benefits: comprehensive healthcare (medical, dental, vision), 401(k) with employer match, employee assistance, life and disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto/home insurance, pet insurance, 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 scheduled to work at least 30 hours weekly

About Columbia Bank

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].

Staffing and Recruiting Agencies: Columbia Bank does not accept unsolicited resumes or applications from agencies and will not be responsible for fees related to unsolicited resume submissions. Agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.

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. Our culture is built on Do RIGHT, which means: Relationships, Impact, Growth, Heart, Trust. Why work for Columbia Bank? A strong, stable financial foundation with over $67 billion in assets and a diverse portfolio, culture of belonging and purpose, competitive benefits, and community engagement that matters. Ready to Do RIGHT for your career, your community, and your future? Explore opportunities and join Columbia Bank today.