Senior Middle Market Underwriter — Complex Credit Expert

Columbia Bank; California; On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Healthcare coverage

401(k) with employer match

Life insurance

Disability insurance

Tuition assistance

Mental health resources

Identity theft protection

Pet insurance

Employee discounts

Paid vacation and holidays

Job summary

Columbia Bank is seeking a credit professional to analyze customer credit information for Middle Market lending, including working capital lines, asset-based lines, and CRE loans. You will prepare concise credit recommendations and collaborate with Client Solutions Managers and Relationship Managers to identify risks and structure loans.

The role requires 2-4 years of commercial credit experience, proficiency in spreading financial statements, and strong communication skills.

Qualifications

• 2-4 years of commercial credit analysis or underwriting experience.
• Ability to spread company and personal financial statements using Moody’s Risk Analyst or similar tools.
• Experience analyzing and monitoring commercial lines of credit and term loans; income property real estate or specialty lending.
• Strong written, verbal, and interpersonal communication; ability to document presentations.

Responsibilities

• Analyze credit information for new and renewal Middle Market requests and prepare timely, concise credit recommendations.
• Spread financial statements and monitor borrower performance in line with loan documents.
• Collaborate with CSMs and Relationship Managers to identify risks and structure loans.
• Ensure compliance with bank policies and procedures and assist in coaching/mentoring others as needed.

Skills

Credit analysis

Financial statement spread

Written and verbal communication

Interpersonal skills

Education

Intermediate Accounting coursework

Bank credit underwriting training

Tools

Moody’s Risk Analyst

Excel

Word

Job description

Columbia Bank is seeking a credit professional to analyze customer credit information for Middle Market lending, including working capital lines, asset-based lines, and CRE loans. You will prepare concise credit recommendations and collaborate with Client Solutions Managers and Relationship Managers to identify risks and structure loans.

The role requires 2-4 years of commercial credit experience, proficiency in spreading financial statements, and strong communication skills.