Umpqua Bank Credit Review Officer in Tigard, Oregon

JOB PURPOSE

Provides an independent review and risk assessment of non-Homogeneous loans, ensuring adherence to Bank credit policies, underwriting guidelines, and applicable regulations, as well as determining that risk is accurately identified via the Bank's internal loan risk rating system.

ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Performs risk analyses to determine financial integrity and identifies potential credit problems.

  • Examines and evaluates records pertaining to loan documentation and collateral, documenting exceptions and omissions.

  • Monitors compliance with bank policies and is the final authority on assignment of credit quality loan grade (risk rating) based on the borrower's ability to pay and the level of credit risk to the bank. Summarizes and documents the facts and findings of reviews.

  • Provides recommendations regarding review frequency and identification of additional potential credit problems.

  • Reviews commercial and mortgage loans/commitments to ensure the appropriate Risk Ratings are assigned.

  • Reviews various reports to monitor and ensure that specified borrowing relationships are reported appropriately.

  • Works on problems of moderate scope where analysis of situations or data requires a review of identifiable factors. Exercises limited judgment within defined procedures and practices to determine appropriate action.

  • 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 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 to become "The World's Greatest Bank."

  • May perform other duties as assigned.

SUPERVISORY RESPONSIBILITIES

n/a

REQUIRED KNOWLEDGE, SKILLS AND ABILITIES

  • Requires a Bachelor's degree in business, finance, economics, accounting, or equivalent.

  • 1-3 years previous experience as a Credit Review Officer with a financial institution or regulatory agency or equivalent work in a commercial lending position.

  • Demonstrated ability to effectively resolve sensitive situations.

  • Excellent financial analytical, written and verbal communication skills.

PHYSICAL AND ENVIRONMENTAL DEMANDS

  • Work involves sitting, occasional walking, and lifting up to 10 pounds.

  • Requires close visual acuity.

  • Normal office environment.

  • Occasional travel.

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.