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Umpqua Bank Private Bank Underwriter in Portland, Oregon

In this role, you will analyze and evaluate customer credit information for new and renewal C&I and CRE credit requests comprised of lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from Professional Service firms or high-net-worth individuals and families.

You will collaborate with Private Bankers to prepare timely, high quality and concise credit recommendations needed to obtain credit approval and meet customer needs.


  • Analyze business, industry, financial data and other supporting credit information concerning an applicant’s credit request; presents facts to, and collaborates with Private Bankers to identify key business and financial risks allowing Private Bankers to derive conclusions, structure loans and support the credit recommendation.

  • Prepare timely, concise and accurate credit recommendations, with normal level of supervision. Includes: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models to ensure customers and loans are properly risk-rated; (3) accurate identification and mitigation of all exceptions to Bank procedures and compliance regulations; and (4) accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s).

  • Monitor borrower financial performance in line with commercial and/or real estate loan documents; spread financial statements and/or ensure required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete and adhere to approval conditions and loan documentation. Collaborates with Private Banker to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.

  • Partner with Private Banker in customer and prospect calls as appropriate; offers insight into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools.

  • Partner with Private Bankers to follow up with customers to obtain all necessary information and clarification on financial analysis materials and resources; ensures customer is approved for all ancillary products.

  • 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.


· Bachelor's degree in Business, Finance, Accounting, or other related field or the equivalent in experience.

  • 2+ years’ commercial credit analysis or underwriting experience or the equivalent.

  • Demonstrate acceptable completion of Intermediate Accounting classes acquired through an accredited university or college and/or completion of bank credit underwriting training.

  • Proven ability to spread company and personal financial statements, including income tax returns, using Moody’s Risk Analyst or other comparable spreading tool; includes knowledge about financial statement structure and business entity types.

  • Basic experience analyzing and monitoring commercial lines of credit and term loans (both secured and unsecured), as well as income property real estate, non-profit lending or other specialty lending types.

  • Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.

  • Possess excellent written, verbal and interpersonal skills, including documenting effective presentations using Excel, Word or other related software/business tools.

  • Experience working with bank credit policies, procedures, practices and documentation.

Physical Requirements and Working Conditions

Work involves:

  • sitting

  • walking

  • lifting up to 25 pounds.

  • No Travel

No relocation offered.

About Us

We do things a little differently here at Umpqua. Our retail stores serve as community hubs, our associates are given up to 40 hours of volunteer time each year, and we’re never satisfied with the status quo. But greatness has no finish line, so we continue every day to keep people at the center of everything we do. We focus on building relationships, understanding our customers’ needs and connecting to people in new and innovative ways – always staying true to our mission of providing personalized banking for all people, whenever and however they prefer to bank.

Umpqua Bank is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.