Umpqua Bank
Senior Commercial Underwriter
Umpqua Bank, Hood River, Oregon, United States, 97031
Umpqua Bank Senior Commercial Underwriter in Hood River, Oregon
DescriptionAbout Us:Umpqua Bank is headquartered in the Pacific Northwest with 5,000+ employees and offers banking services to customers throughout the nation. It’s an especially exciting time to join our team as, following the recent merger with Columbia Bank, we have grown to become a leading western-based regional bank with more than $50B in assets under management and an unwavering commitment to our associates, our customers, and our communities.We create a great place to work by offering a special brand of relationship banking and by providing a culture where associates thrive. Associates who embody our core values fit in well here and we are eager to meet candidates who demonstrate behaviors that align with Trust, Ownership, Growth, Empathy, Teamwork, Heart, Enjoyment, and Relationships.About the Role:Underwrites new and renewal C&I and CRE credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from moderate-to-complex enterprises with revenues greater than $5 million.Collaborates with Client Solutions Managers (CSMs) and Relationship Managers to accurately present findings, including business rationale and risk mitigations, in order to obtain credit approval and meet customer needs.Analyzes business, industry, financial data, and other supporting credit information concerning an applicant’s credit request; identifies key business and financial risks that may impact the repayment prospects by the borrower; derives conclusions supporting the credit recommendation based on documented facts and/or sound judgement.Prepares timely, concise, and accurate credit recommendations, with limited supervision or revision.Monitors borrower financial performance in line with commercial and/or real estate loan documents; ensures required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete, and adhere to approval conditions and loan documentation.Partners with CSMs and Relationship Managers to offer insights into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools.May oversee the work of other commercial underwriters or credit analysts, including the timely review of credit reports prepared by other underwriters to ensure a high level of report quality prior to submission for approval.Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities.May perform other duties as assigned.About You:Bachelor's degree in business, Finance, Accounting, or equivalent work experience.7-10 years of commercial underwriting/credit analysis experience or relevant lending experience required.Advanced analytical and problem-solving skills.Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience.Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time.Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.Possess excellent written, verbal, interpersonal, and presentation skills.Advanced knowledge of credit policies, procedures, practices, and documentation.Workstyle:
Fully onsiteWe offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $76,603.59 - $109,433.70, and 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.Our Commitment to Diversity:Umpqua 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.
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DescriptionAbout Us:Umpqua Bank is headquartered in the Pacific Northwest with 5,000+ employees and offers banking services to customers throughout the nation. It’s an especially exciting time to join our team as, following the recent merger with Columbia Bank, we have grown to become a leading western-based regional bank with more than $50B in assets under management and an unwavering commitment to our associates, our customers, and our communities.We create a great place to work by offering a special brand of relationship banking and by providing a culture where associates thrive. Associates who embody our core values fit in well here and we are eager to meet candidates who demonstrate behaviors that align with Trust, Ownership, Growth, Empathy, Teamwork, Heart, Enjoyment, and Relationships.About the Role:Underwrites new and renewal C&I and CRE credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from moderate-to-complex enterprises with revenues greater than $5 million.Collaborates with Client Solutions Managers (CSMs) and Relationship Managers to accurately present findings, including business rationale and risk mitigations, in order to obtain credit approval and meet customer needs.Analyzes business, industry, financial data, and other supporting credit information concerning an applicant’s credit request; identifies key business and financial risks that may impact the repayment prospects by the borrower; derives conclusions supporting the credit recommendation based on documented facts and/or sound judgement.Prepares timely, concise, and accurate credit recommendations, with limited supervision or revision.Monitors borrower financial performance in line with commercial and/or real estate loan documents; ensures required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete, and adhere to approval conditions and loan documentation.Partners with CSMs and Relationship Managers to offer insights into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools.May oversee the work of other commercial underwriters or credit analysts, including the timely review of credit reports prepared by other underwriters to ensure a high level of report quality prior to submission for approval.Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities.May perform other duties as assigned.About You:Bachelor's degree in business, Finance, Accounting, or equivalent work experience.7-10 years of commercial underwriting/credit analysis experience or relevant lending experience required.Advanced analytical and problem-solving skills.Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience.Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time.Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.Possess excellent written, verbal, interpersonal, and presentation skills.Advanced knowledge of credit policies, procedures, practices, and documentation.Workstyle:
Fully onsiteWe offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $76,603.59 - $109,433.70, and 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.Our Commitment to Diversity:Umpqua 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.
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