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CCRE Credit Analyst

Commercial Banking

Tacoma,

Washington

Portland,

Oregon

Description

About Us:

At Umpqua, we create a great place to work by offering a unique brand of relationship banking and fostering a culture where associates thrive. We are dedicated to supporting our customers and communities, and we can only achieve this through the dedication of our employees.

We value Trust, Ownership, Growth, Empathy, Teamwork, Heart, Enjoyment, and Relationships, and we are eager to meet candidates who embody these core values. We are always on the lookout for results-focused individuals who can think independently, work collaboratively, and support our broader purpose.

Think of us as financial partners, because at Umpqua, we believe the best way forward is together. Together for people. Together for business. Together for better.

About the Role:

Responsible for supporting the Underwriters and Relationship Managers in the management of Commercial Real Estate Division’s loan portfolio by reviewing, analyzing and evaluating credit data for commercial real estate loans. Responsible for handling the financial reporting required from borrowers, covenant compliance, and term loan reviews. Contributes to underwriting new loan originations as directed by UWteam..

+ Support team of CRE Underwriters. Collaborate with CRE Underwriters and production staff to manage financial reporting ticklers and covenant complianceperoperating procedure guidelines.

+ Complete risk ratings for term loan reviews and credit actions in support of Underwriters.

+ Ensure accuracy of items in credit file. Responsible for timely financial reporting andelevatedelinquencies to UW and RM.

+ Review and analyze variousthird partydocuments and reports, including property financial statements, rent rolls, appraisals, environmental reports, personal credit reports, title reports, and borrowing entity structures.

+ Complete site inspections as requested and prepare site inspection reports addressing property condition, occupancy levels,suroundinguses, and general quality of collateral.

+ Independently prepare Term Loan Reviews for assigned relationships in conformance with operating procedure guidelines.

+ Remain up to date on Bank and CRED underwriting procedures and identify exceptions to policy or guidelines.

+ 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 P, 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 Umpqua corporate culture in all actions and words.

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

+ Embraces our vision and strategic direction

+ May perform other duties as assigned.

About You:

+ Bachelor's Degree in Finance, Accounting, or another related field or equivalent.Required

+ Less than 2 yearsof financial analyst in support of commercial or CRE lending platform.Preferred

+ Strong desire to develop financial analysis skills and CRE underwriting skills.

+ Basic ability to analyze financial and non-financial statements and tax returns. Experience with complex loan structures a plus.

+ Ability to independently handle financial reporting and analysis of assigned relationships, collaborating with UW and RM.

+ Demonstrate excellent organization and time management skills. Ability to take initiative with minimal direction, to work on multiple tasks simultaneously, and to meet deadlines.

+ Possess solid analytical, problem solving, and interpersonal skills.

+ Possessexcellent written and verbal communication skills and work well in a team environment.

+ Proficient skills in spreadsheet and word processing software (Excel and Word preferred).

**Job Location(s):** Ability to work fully onsite at posted location(s).

Tacoma, WA, or Portland, OR

Our** **Benefits:

We offer a competitive total rewards package including basewagesand comprehensive benefits. Thepayrange for this role is$28.00 - $36.00,and the pay rate for theselected candidate isdependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The rolemay beeligible for performance-based incentive compensation and those details will be provided during the recruitment process.

We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an 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, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.

Our Commitment to** **Diversity** **:

Umpqua Bank isan equal opportunityand affirmative actionemployercommitted to employing, engaging, and developinga diverse workforce.Allqualifiedapplicants will receive considerationfor employmentwithout regard to race, color,national origin,religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics.If you require an accommodation to complete the application or interview(s),please let us know by email: [email protected] .

To Staffing and Recruiting Agencies:

Our posted job opportunities are onlyintendedfor individuals seekingemploymentat Umpqua Bank.Umpqua Bank does not accept unsolicited resumes or applications from agencies and Umpqua Bank will not be responsible for any fees related to unsolicited resume submissions.Staffing and recruiting agencies are not authorized to submit profiles, applications,or resumestothis site or toany Umpqua Bank employeeand any such submissionswill be consideredunsolicitedunlessrequesteddirectlyby a member of the Talent Acquisition team.