at Columbia Bank in Spokane, Washington, United States Job Description Tacoma, Washington Boise, Idaho Spokane, Washington Portland, Oregon Full time

JR103241

About the

Role:

Underwrites and prepares credit presentations for complex Commercial Real Estate ( CRE ) loans. Assists Relationship Managers (RMs) in the monitoring of a large loan portfolio consisting of complex CRE products including construction, bridge, and permanent loans. Collaborates with RMs to manage and deepen full banking relationships with sophisticated CRE developers and investors. + Analyze appraisal and market data to assess market risk associated with the CRE project. Underwrite sponsors' contingent debt, portfolio refinance risk, and global cash-flow to assess their ability to address financial obligations. Assess CRE credit markets to analyze potential take-out financing. Identify key business and financial risks that may impact the repayment prospects by the borrower; presents conclusions supporting the credit recommendation based on documented facts and/or sound judgement. + Prepare timely, concise and accurate credit recommendations, with limited supervision or revision.

Includes:

(1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models, using both quantitative and qualitative rating elements to ensure sponsors and individual loans are properly risk-rated; (3) accurate identification and mitigation of all Bank tracked policy exceptions, tracked guidelines exceptions, and departures from established procedures and underwriting processes; and (4) accurate loan and risk rate coding when the credits are boarded on the bank operating systems. + Monitor borrower financial performance in line with loan documents; spreads or oversees spreading of financial statements in accordance with Bank Guidelines to ensure accuracy. Tests covenant calculations and adherence to approval conditions and loan documentation. Collaborates with Analysts and RMs to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner. + Collaborates with RMs to identify and communicate credit risk so that it is effectively mitigated within new and existing credits. + Partners with Analysts and Relationship Managers to offer insights into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools. May also offer opinions related to a loan structure's effectiveness to mitigate r To view full details and how to apply, please login or create a Job Seeker account