About 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:
An individual in this role analyzes and evaluates customer credit information for underwriting of new and renewal Agricultural, C&I and CRE credit requests comprised of working capital lines of credit, asset-based lines of credit, Agricultural Real Estate loans, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from simple to moderately-complex enterprises with revenues greater than $5 million. Collaborates with Relationship Managers to accurately present findings, including business rationale and risk mitigations, in order to obtain credit approval and meet customer needs.
- Analyze 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; presents facts to and collaborates with Relationship Managers to derive conclusions supporting the credit recommendation based on documented facts and/or sound judgement;
- Prepare timely, concise and accurate credit recommendations, with normal level of supervision, including quantitative components within the underwriting narrative documenting the credit analysis;
- Monitor borrower financial performance in line with Agricultural, commercial and/or real estate loan documents; collaborates with Relationship Specialist and Relationship Manager to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.
- Partners with Relationship Managers to offer insights into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools.
- Partner with Relationship Managers in customer and prospect calls as appropriate.
- May oversee the work of other commercial underwriters or credit analysts, including the timely review of credit reports prepared by other underwriters.
About You:
- Bachelor's Degree in Agribusiness, Business, Finance, Accounting, or other related field or the equivalent in experience, required.
- 2-4 years of commercial underwriting / credit analysis or relevant lending experience, required.
- 2-4 years Agricultural underwriting/credit analysis experience, required.
- Advanced analytical and problem-solving skills.
- Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience.
- Demonstrate time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time.
- Proven ability to spread company and personal financial statements, including income tax returns, using Moody’s Risk Analyst or other comparable spreading tool.
- Experience in analysis of financial reporting specific and unique to Agribusiness, including Operating Budgets.
- Proficient Knowledge of Agribusiness Credit, policies and procedures.
- Familiarity and demonstrated experience underwriting Agribusiness loans.
- Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
- Possess excellent written, verbal and interpersonal skills.
- Advanced knowledge of credit policies, procedures, practices, and documentation.
Workstyle: Fully onsite.
Our Benefits:
We offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $76,603.00 to 142,263.00, 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.
We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan, life insurance, disability insurance, tuition assistance, and paid vacation, sick days, volunteer days, and holidays.
Our Commitment to Diversity:
Umpqua Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce.
