Commercial Underwriter - Native American Banking & Gaming

About the role

Columbia Bank is hiring a Commercial Underwriter for its Native American Banking and Gaming business line, based in the Las Vegas area (Henderson, Nevada) with on-site options also in Seattle, Reno and Scottsdale. The role analyzes and evaluates customer credit information for new and renewal requests, covering working capital and asset-based lines of credit, commercial real estate loans, equipment financing, governmental obligations, tax revenue financings and tribal enterprise financings, mostly from moderate-to-complex entities with revenues above $5 million.

Key responsibilities

• Analyze business, industry and financial data to identify key risks and collaborate with Portfolio Managers, CSMs and Commercial Relationship Managers on credit recommendations.
• Prepare accurate, concise credit recommendations with normal supervision, including quantitative underwriting narratives, risk rating scores (Dual Risk Rating), tracking of policy and compliance exceptions and accurate loan coding.
• Monitor borrower financial performance, spread financial statements and covenants, and work with Portfolio Managers and CSMs to resolve covenant violations.
• Take part in customer and prospect calls and follow up with customers to gather information and approve ancillary products.
• Stay current on bank regulations and policies, complete required training, and may coach, mentor or teach others.

Required profile

• 2-4 years of commercial credit analysis or underwriting experience (required).
• Ability to work with individuals and groups across the company and strong written, verbal and interpersonal skills.
• Knowledge of bank credit policies, procedures and documentation.
• Willingness to work fully onsite at the posted location.

Required skills

• Intermediate accounting and ability to spread financial statements, including tax returns, with Moody's Risk Analyst or a comparable tool.
• Basic experience with commercial lines of credit, term loans, income property real estate and specialty lending.
• Proficiency with Word, Excel, PowerPoint and other business software.

What we offer

• Pay range of $70,000 - $120,000, depending on experience, education and location; possible performance-based incentives.
• Healthcare, dental and vision, 401(k) with employer match, life and disability insurance, tuition assistance, mental health resources, paid time off and holidays.