Strategic Middle Market Credit Underwriter

Columbia Bank; San Diego (CA); On-site; USD 75,000 - 120,000; Full time

Benefits offered by this job

Healthcare coverage

401(k) plan with employer match

Employee assistance program

Life insurance

Disability insurance

Tuition assistance

Mental health resources

Identity theft protection

Legal support

Auto and home insurance

Pet insurance

Discount marketplace

Paid vacation and holidays

Job summary

Columbia Bank in San Diego, CA seeks a Commercial Credit Analyst to analyze customer credit information for Middle Market requests and support credit recommendations to obtain approvals. You will collaborate with CSMs and Relationship Managers to structure loans and mitigate risks.

The role requires 2–4 years of credit analysis experience, strong financial analysis skills, and proficiency with Moody’s Risk Analyst and spreadsheet tools.

Qualifications

• 2-4 years of commercial credit analysis or underwriting experience.
• Proven 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, secured and unsecured.
• Ability to work with cross-functional teams to manage internal and external relationships.
• Strong written, verbal and interpersonal skills; proficient in Excel/Word.

Responsibilities

• Analyze business and financial data to identify key risks and support credit recommendations.
• Prepare concise credit recommendations with quantitative data and risk ratings.
• Monitor borrower financial performance and ensure covenant calculations align with documents.
• Collaborate with CSMs and Relationship Managers on calls and opportunities.
• Follow up with customers to obtain needed information and resolve issues.

Skills

Credit analysis

Underwriting

Financial spreading

Communication

Tools

Moody’s Risk Analyst

Spreading tool

Excel

Job description

Columbia Bank in San Diego, CA seeks a Commercial Credit Analyst to analyze customer credit information for Middle Market requests and support credit recommendations to obtain approvals. You will collaborate with CSMs and Relationship Managers to structure loans and mitigate risks.

The role requires 2–4 years of credit analysis experience, strong financial analysis skills, and proficiency with Moody’s Risk Analyst and spreadsheet tools.