Commercial Banking

Lake Oswego, Oregon | South Jordan, Utah | NA, Oregon | NA, Washington | NA, California

Umpqua Bank is headquartered in the Pacific Northwest with 5,000+ employees and 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.

About the Role:

Responsible for credit/risk monitoring; CR workflow management & prioritization; and engagement with underwriting, QA, and QC partners. Leads (or co-leads) cross-offering of additional products/services to clients, and partner collaboration & coordination. Will partner with the most senior Bankers to share responsibility for the largest, and most complex portfolios within Commercial and Corporate Banking. Assists Bankers with portfolio management, partner collaboration, and client-engagement to develop and grow new and existing commercial business relationships. CSM is a second, primary touch-point between Bank and Client. Responsible for identifying additional loan, deposit, and core fee income opportunities (products; services; solutions) for new and existing commercial clients to add/deepen value to the client; drive additional revenue growth; establish/maintain complete banking relationships; bolster client experience and satisfaction. Reports to Market Director.

Key Responsibilities:

• Expert level underwriting, credit monitoring and portfolio management skills. Utilize existing financial/market information and Relationship Expansion Tool, to identify additional products/services that would satisfy client needs and establish/deepen complete relationships. Makes recommendations on loan structure & terms and refers these issues to next appropriate level of authority.
• Partners with the Banker as the second, primary point of contact for the client. Attends meetings with clients; focus on expanding mature relationships by assessing client needs.
• Spends 30% of time on direct client-impacting activities, consulting with Banker. Achieves individual annual production and growth goals (relationship expansion) for loans, deposits and core fees to ensure the bank meets its overall financial targets and balanced-growth objectives.
• Develops a comprehensive understanding of client’s needs and future needs based on the review and analysis of personal, business, financial, and market data gathered through relationship reviews, client engagement, market research, and partner collaboration.
• Manage and monitor a large, complex commercial loan portfolio and commercial relationships by analyzing financial data & information to determine the merits of specific loan requests.
• Ensure the loan portfolio is properly risk rated. Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines.
• May mentor/coach/train and/or direct the work of others.
• Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities.
• 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 CC, Regulation E, Bank Security and other regulations as applicable to this job description.
• 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 to become "The World's Greatest Bank."

About You:

• Bachelor's Degree in Business (Preferred).
• More than 10 years of relevant commercial banking and/or prior experience as a Portfolio Manager and/or Commercial Underwriter (Required).
• Expert knowledge of commercial underwriting, credit monitoring, and portfolio management.
• Proven advanced relationship management and business development abilities, analytical and problem-solving skills, sales skills, and credit and credit quality skills.
• Superior understanding of credit policy and procedures.
• Advanced knowledge of commercial bank products and services.
• Excellent verbal, written, interpersonal, and presentation skills.
• Advanced proficiency with personal computers and software packages, including MS Excel, Word, PowerPoint.

Travel Type:

Occasional

Workstyle:

Fully onsite

We offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $102,361.20 to $190,000.00, 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.

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.