About Us:
Umpqua Bank is a publicly traded financial holdings company, headquartered in the Pacific Northwest with 6,000+ employees, which 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.
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About the Role:
In this role, you will be responsible for review and evaluation of credit data for commercial or small business loans.
- Coaching Monitors existing loans to ensure complete conformity with terms.
- Spreads financial statements and related information to financial spreadsheets and/or software programs for analysis.
- Analyzes Accounts Receivable, Inventory and other collateral information to determine adequate collateral coverage for Asset Based loans.
- Analyzes financial data related to new and renewal commercial or small business loan requests, including lines of credit, asset-based lines, equipment financing loans and/or commercial real estate loans.
- Conducts credit investigations and prepares credit approval reports and summarizes credit.
- Analyzes a variety of commercial, small business, or real estate loan requests.
- Presents facts and offers opinions to loan officers concerning applicant’s credit worthiness.
- Comply with all Federal, State, and local consumer protection laws governing loan origination including the SAFE Act and SAFE Act registration and renewal rules as defined by the bank, if applicable.
- Demonstrate compliance with all bank regulations that apply to your position and keep up to date on regulation changes.
- Maintain working knowledge of our policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other regulations that apply to your position.
- May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
About You:
- Bachelor’s Degree or equivalent in accounting, preferred.
- Less than 2 years of relevant credit analysis or underwriting experience.
- Basic analytical and problem-solving skills.
- Strong written and verbal communications skills.
- Basic credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience.
- Basic knowledge of credit policies, procedures, practices and documentation.
- Excellent written and verbal communication.
- Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
- Proficiency with personal computers and related software packages such as Word and Excel, and other business machines.
- Must have completed basic accounting class(es) acquired through an accredited university or college and be in the process of completing credit underwriting training.
- Ability to train and present to small and large audiences or has the interest in learning to train and present.
Our Benefits:
We offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $22.78 to $37.81, 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. The role may be eligible 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 is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without 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: careers@umpquabank.com
To Staffing and Recruiting Agencies:
Our posted job opportunities are only intended for individuals seeking employment at 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 resumes to this site or to any Umpqua Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.
