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Columbia Bank · 2 days ago

CRE Underwriting Director

Los Angeles, CA

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

Columbia Bank is seeking a CRE Underwriting Director to manage the CRE loan portfolio and ensure compliance with bank loan quality guidelines. The role involves coaching and mentoring a team, developing credit policies, and ensuring audit readiness while collaborating with various stakeholders.

BankingFinanceFinancial Services

Responsibilities

Manages the CRE loan portfolio, credit review, training process/function, DRR accuracy, and operations. Reviews recommendations for CRE lines of business (CRED, Home Builder Finance, Affordable Housing, and small ticket Multifamily) for non-owner-occupied investment income real estate. Ensure accuracy and compliance within a defined scope and in partnership with CRE Managers in order to manage risk exposure consistent with bank loan quality guidelines that results in audit readiness

Collaborates, consults, and partners with CRE Managers, Relationship Managers and Underwriters to develop high quality credit recommendations and loan portfolios

Coaches CRE Underwriters and Credit Analyst in the development of complete, accurate and well-structured recommendations (credit/underwriting), including guidance and advice on financial analyses, loan structuring and other credit skills. Advises on the risk rating process and ensures timely and accurate documentation of rating migrations

Monitors and verifies risk rating accuracy, for the loan portfolios, as well as individual loans submitted for approval

Helps maintain CRE credit quality standards and provides strong and consistent credit leadership

Contributes to the development of credit policies, processes and methodologies

Ensures CRE department is aware of all relevant changes in credit requirements

Responsible for ensuring preparedness and compliance with all CRE audits and exams with credit & operational focus. Develops training for CRE associates on related audit findings for continuous improvement

Responsible for operational continuity and reporting (i.e., past-due payments, loan maturities, etc.) and dashboard maintenance and development. Attends as CRE representative on cross functional bank wide taskforces and projects with CQA, Credit Review, and Regulatory Affairs

Responsible for managing a team of CRE Credit Analysts including training, mentoring, developing and performance managing

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 Columbia corporate culture in all actions and words

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

Embraces our vision to become “Business Bank of Choice”

May perform other duties as assigned

Qualification

Commercial Real Estate lendingCredit analysisPolicy developmentRelationship managementAnalytical skillsTeam managementCommunication skillsPlanningOrganizationTrainingSoftware proficiencyProblem-solving skillsAdaptabilityPresentation

Required

More than 10 years — of relevant commercial real estate lending and credit experience

4-7 years — of experience as supervisor/manager, mentorship role, reviewing others work and providing advice on best practices and compliance

Experience developing, modifying, and executing company policies that affect immediate operation(s) of lines of business within Commercial Real Estate (CRE)

Ability to regularly interact with senior management or executive levels on matters concerning several functional areas, divisions and/or customers

Requires the ability to change the thinking of, or gain acceptance of, others in sensitive situations

Excellent relationship management abilities, analytical and problem-solving skills, and credit and credit quality skills

Expert knowledge of Wholesale Commercial Real Estate (non-owner-occupied investment income real estate) products and services that result in successfully underwriting and monitoring all bank products and portfolios

Experience managing and developing others and ability to build and maintain relationships

Excellent planning and organization skills with the ability to change course (adaptable) at a moment's notice

Excellent written and verbal communication skills

Proficiency with personal computers and related software packages such as Word and Excel, and other business machines

Ability to train and present to small and large audiences or has the interest in learning to train and present

Ability to work under tight timelines, and high-volume levels in keeping with established Service Level Agreement for position