Senior Middle-Market Credit Underwriter

Columbia Banking System; San Luis Obispo (CA); On-site; USD 85,000 - 140,000; Full time

Job summary

Columbia Bank is seeking an experienced Commercial Underwriter to assess Middle Market credit requests including working capital, asset-based lines, CRE loans and equipment financing. The role requires collaboration with Client Solutions Managers and Relationship Managers to present informed credit recommendations and risk mitigations.

The ideal candidate has 7–10 years in underwriting/credit analysis, advanced analytical capabilities, and strong presentation skills.

Qualifications

• 7–10 years of commercial underwriting/credit analysis experience.
• Advanced analytical and problem‑solving skills.
• Ability to train and present to small and large audiences.

Responsibilities

• Underwrite new and renewal Middle Market credit requests across working capital, asset-based, CRE and equipment financing.
• Collaborate with CSMs and Relationship Managers to present credit findings with business rationale and risk mitigations.
• Prepare timely, concise credit recommendations with quantitative and qualitative risk ratings and appropriate exceptions.

Skills

Analytical skills

Credit analysis

Financial statement spreading

Cash flow analysis

Presentation skills

Interpersonal skills

Education

Bachelor's degree in business/finance

Experience in underwriting/credit analysis

Job description

Columbia Bank is seeking an experienced Commercial Underwriter to assess Middle Market credit requests including working capital, asset-based lines, CRE loans and equipment financing. The role requires collaboration with Client Solutions Managers and Relationship Managers to present informed credit recommendations and risk mitigations.

The ideal candidate has 7–10 years in underwriting/credit analysis, advanced analytical capabilities, and strong presentation skills.