Columbia Bank · 1 day ago
Commercial Credit Review Manager
Sacramento, CA
Full-time
Onsite
Senior Level, Lead/Staff
$117K/yr - $200K/yr
10+ years expColumbia Bank is seeking a Commercial Credit Review Manager to oversee the credit underwriting and loan portfolio management team within the Commercial division. The role involves reviewing and approving credit requests while ensuring compliance with bank guidelines and coordinating workflow with other departments to provide timely service to clients and sales staff.
BankingFinanceFinancial Services
Responsibilities
Review preflight memos, credit recommendations, and term loan reviews within a defined scope for accuracy, compliance with policy,and comprehensive credit risk analysis
Collaborates with Commerical division team members to develop and maintain high quality loan portfolios
Coach bankers in the development of complete, accurate and well-structured credit recommendations, including guidance and advice on financial analyses, loan structuring and other credit skills
Helps maintain commercial credit quality standards and provides strong and consistent credit leadership
Monitors and verifies risk rating accuracy on loans submitted for approval
Advises team members on the risk rating process and ensures timely documentation of migrations
Ensures lending staff is aware of all relevant changes in credit requirements
Coordinates with Division/Department Director on any internal or external credit examinations including responses to audit exceptions
Manages monthly and quarterly construction and problem loan reviews
Develops and analyzes financial background data for new or renewed loans. May engage with existing or prospective clients as part of the bank’s due diligence and monitoring activities. Contributes to the development of credit policies, processes and methodologies
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 B, 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
Required
More than 10 years of relevant commercial lending and credit experience
Experience developing, modifying, and executing company policies that affect immediate operation(s) and company-wide effect
Ability to regularly interact with senior or executive management on matters concerning several functional areas, divisions and/or customers
Possess strong leadership, problem solving, analytical, mathematical, customer service, and interpersonal skills
Proven ability to read, interpret, and analyze data from operating proformas, construction budgets, credit reports, financial reports, tax returns, and other financial statements and information for non-profit and for-profit entities
Excellent knowledge of underwriting, reviewing and interpreting bank and subordinate lender legal documentation and third-party reports, and closing processes for commercial projects
Requires the ability to change the thinking of, or gain acceptance of, others in sensitive situations
Excellent relationship management and business development abilities, analytical and problem-solving skills, sales skills, and credit and credit quality skills with prior lending authority experience
Experience directing the work and workflow of a team and developing/coaching others
Expert knowledge of commercial lending products and services that result in successfully capitalizing on all opportunities to cross-sell the bank's products
Excellent planning and organization skills with the ability to change course (adaptable) at a moment's notice
Excellent written and verbal communication skills
Advanced knowledge and experience managing commercial loan portfolio
Proficient in word processing, spreadsheet, and industry specific software (Word, Excel)
Ability to train and present to small and large audiences or has the interest in learning to train and present
Benefits
Comprehensive healthcare coverage (medical, dental, and vision plans)
401(k)-retirement savings plan with employer match for qualifying associate contributions
Employee assistance program
Life insurance
Disability insurance
Tuition assistance
Mental health resources
Identity theft protection
Legal support
Auto and home insurance
Pet insurance
Access to an online discount marketplace
Paid vacation
Sick days
Volunteer days
Holidays
Company
Columbia Bank
Columbia Bank is a provider of personal and business banking services.
1001-5000 employees
Funding
Current Stage
Late StageTotal Funding
unknown2020-06-01Acquired
Leadership Team
Kelly Kelly
VP, Human Resources Business Partner
Todd Leber
Chief Commercial Banking Officer
Recent News
2025-12-20
2025-12-16
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