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The AVP or VP, Underwriter on the C&I team is responsible for the underwriting and coordination in closing C&I loans originated by the bank. The position will primarily support the bank’s markets in Oregon and Washington. Underwriter is also responsible for spreading, managing, and maintaining financial information on present and prospective customers which includes performing special financial statement analysis involving complex and interlocking relationships.

This position is a unionized position through the Communication Workers of America. 

ESSENTIAL DUTIES

• Underwrites and coordinates in closing a range of C&I loan structures, property types and difficulty
• Spreads, manages, and maintains the financial backgrounds of present and prospective customers
• Performs special financial statements analysis involving moderately complex and interlocking relationship
• Assists lending officers on credit and loan matters involving unusual situations
• Assists VP’s and SVP’s with implementing strategic programs and product development
• May assist in the preparation of any reports required from Credit Administration 
• May train selected personnel or new hires in credit operation and/or financial statement analysis
• May recommend changes to policies, strategies, cost-effectiveness, and possibly quality improvement
• May contribute and manage a bank-wide specialty function of some scope and complexity in applying technical expertise Provides support in quality control and consistency in underwriting of new and existing business by being the subject matter expert on forms, process, and execution database and underwriting process
• Partners with RM in customer calls for generating new businesses and expansion of existing core clientele as needed
• Provides financial decision for RMs and participant in building client relationship
• Responsible for underwriting complex transaction and preparing term sheets in a timely fashion
• Performs portfolio management functions for timely loan renewals and compliance within C&I guidelines
• May act as liaison between C&I team and Credit team
• Contributes to ensure underwriting process operation efficiently and generates more closing and income to the Bank 
• Works closely with lending officer in all aspects of the loan request, structuring, and appraisal reviews
• Mentors junior underwriters and analysts
• Monitors borrower financial performance and covenants
• Identifies risk factors and determine appropriates risk rating
• Assists/prepares written credit memoranda and ancillary forms for complex credit facilities
• Foster open dialogue and strong relationship with Credit Administration, Loan Operations, and other groups involved in the supporting line of business
• May be required to attend bank sponsored events
• Ensures compliance with all state and federal regulations and internal company policies, including but not limited to BSA / Anti-Money Laundering, Fair Lending, Privacy, and Anti-Discrimination, to the extent each applies to current job responsibilities
• Completes all online compliance training as assigned