Commercial Real Estate Asset Quality Review Analyst

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 associates.

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:

Reviews and analyzes Commercial Real Estate loans through the of loan reviews. Responsible for preparing reports regarding the outcome of the analysis performed, Approves loan reviews within delegated authority.

• Assists in the administration and analysis of both the non-owner occupied and owner occupied loan portfolios managed by Centralized Portfolio Services (“CPS”), through the performance of loan level reviews functions, for the purpose of risk identification, verification of collateral financial performance, verification of risk rating accuracy, and update to the compilation of various performance-related data points utilized to stress test for additional testing and reporting of the UB commercial loan portfolio.
• These functions include risk assessment through in-depth financial analysis, exception tracking, appraisal/environmental review; and may include the tracking, monitoring, and reporting of market conditions for commercial real estate secured loans.
• Prepares Spreads and analyzes financial statements and related information, using financial software programs and/or spreadsheets for analysis.
• Uses financial statements and related information to review for collateral performance trends over time, trends in borrower/guarantor financial position, personal and/or business credit, and collateral condition.
• Responsible for veracity of information in final report, through discussion with borrowers, guarantors, or property managers, as appropriate; to gather, verify or clarify information.
• Prepares formal narrative reports detailing findings based on analysis and outcome of the review. Analyzes a variety of commercial and real estate loans.
• Approves loan reviews within delegated authority.
• 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 “Business Bank of Choice”
• May perform other duties as assigned.
  
  

About You:

• Bachelor’s Degree or equivalent experience, required.
• 4-7 year of experience in Commercial Real Estate performance analysis and loan structuring or equivalent experience required.
• Advanced analytical and problem-solving skills, and credit and credit quality skills.
• Strong attention to detail.
• Advanced written and verbal communication and presentation skills.
• Strong ability to work effectively with individuals and groups across the company to manage customer relationships.
• Proficiency with computers and related software packages such as Word and Excel, and other business machines.
• Advanced knowledge of appropriate banking laws, regulations, and the Bank’s policies and practices.
• Ability to train and present to small and large audiences or has the interest in learning to train and present.
  
  

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

Tigard, OR

Lake Oswego, OR

Hillsboro, OR

Portland, OR

Travel Type: Occasional

Our Benefits:

We offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $67,868.21 - $105,000.00, 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. 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: [email protected].

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.