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Umpqua Bank Commercial Underwriter in n/a,

JOB PURPOSE

Creates, reviews and evaluates customer credit data for the Commercial Banking division or designated business line.

ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Analyzes financial data related to new and renewal loan requests, including lines of credit, asset-based lines, commercial real estate, and equipment financing loans.

  • Presents facts, offers opinions/recommendations to Commercial Relationship Managers (CRM) and Portfolio Managers concerning applicant's credit worthiness.

  • Prepares summary and/or credit approval report documenting credit analysis and supporting information for credit decision recommendations.

  • Drafts loan agreements in collaboration with the CRM and Portfolio Manager.

  • Reviews and monitors commercial and/or real estate loan documents for accuracy, completeness and adherence to approval conditions.

  • May participate in customer and prospect calls with the CRM and Portfolio Manager, outside calling and other marketing efforts.

  • 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 Umpqua corporate culture in all actions and words.

  • Takes personal initiative and is a positive example for others to emulate.

  • Embraces our vision to become "The World's Greatest Bank."

  • May perform other duties as assigned.

SUPERVISORY RESPONSIBILITIES

None

REQUIRED KNOWLEDGE, SKILLS AND ABILITIES

  • Bachelor's degree in Business, Finance, Accounting, or other related field or the equivalent in experience required.

  • 1-2 years' commercial credit analysis or underwriting experience or the equivalent.

  • Ability to analyze financial conditions, financial statements, and tax returns.

  • Ability to understand business relationships and business entity structures.

  • Previous business or banking experience.

  • Good written and verbal communication.

  • Ability to work effectively with individuals and groups.

  • Proficiency with personal computers and related software packages such as Word and Excel.

  • Knowledge of credit policies, procedures, practices and documentation.

  • Must have or will be completing basic accounting classes acquired through an accredited university or college and completion of credit underwriting training.

PHYSICAL AND ENVIRONMENTAL DEMANDS

  • Work involves sitting, occasional walking, and lifting up to 10 pounds.

  • Requires close visual acuity.

  • Normal office environment.

  • Occasional travel.

Umpqua Bank is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.

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