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About The Role
Responsible for sourcing and developing full banking relationship with professional developers and sophisticated Commercial Real Estate (CRE) investors. Serve as the relationship lead for all lending, deposit, and all other bank products, collaborating with internal partner experts. Independently identify opportunities for existing clients and prospects with their market to provide CRE financing solutions including construction, bridge, and permanent loans across a range of product types. Lead underwriting and analyst team in managing a large, complex portfolio to identify and communicate risk and to monitor credit quality.
- Source new CRE relationships as well as manage and deepen existing ones.
- Lead origination team of Underwriters, Loan Administrators, and outside counsel by coordinating the underwriting, approval, and documentation of complex CRE loans. Set and meet client expectations and drive an exceptional customer experience.
- Collaborate with internal partners in Treasury Management and Global Payment and Deposit Services to create deep relationships with multiple streams of income. Drive overall relationship strategy focused on enhancing relationships across multiple bank products.
- Lead, direct, and coordinate the underwriting team in monitoring a large, complex CRE portfolio. Identify and communicate credit risk by leading the preparation of monthly, quarterly, and annual status reports.
- Analyze new CRE financing opportunities, design an appropriate credit structure and pricing, and prepare internal memos outlining the proposed financing including the identification of key risks.
- Manage the underwriting team in drafting credit committee memos. Take a hands‑on role in the preparation and review of credit presentations to ensure timely, high‑quality analysis.
- Perform due diligence on all financing opportunities including lease reviews, analysis of appraisals and third‑party reports. Drive robust analysis of sponsor’s contingent debt, liquidity, global cash‑flow, and their ability to meet all financial obligations.
- May work on lending opportunities across the western US for clients within their prospective market.
- Demonstrate compliance with all bank regulations for assigned job function and apply to designated job responsibilities. Keep up to date on regulation changes.
- Follow all Bank policies and procedures, compliance regulations, and complete all required annual or job‑specific training.
- Maintain a working knowledge of Bank’s written policies and procedures regarding Bank Secrecy Act, Regulation B, 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 learn, demonstrate, and foster the Columbia corporate culture in all actions and words.
- Take personal initiative and be a positive example for others to emulate.
- Embrace our vision to become “Business Bank of Choice”.
- May perform other duties as assigned.
About You
- Bachelor’s Degree in Business, Finance, Accounting, or equivalent (Required)
- Master’s Degree in Business Administration (Preferred)
- 7‑10 years’ experience in Commercial Real Estate lending (Required)
- Proven track record of independently developing and growing a large, complex CRE portfolio with a balance of business development and asset quality
- Deep experience working in relationship management teams, fostering trust and ownership
- Excellent relationship management, business development, analytical, problem‑solving, sales and credit quality skills
- Very strong client relationship and internal partnering skills with high emotional intelligence
- Expert credit analysis and underwriting skills, including accounting, financial statement and cash flow analysis experience
- Expert knowledge of commercial real estate lending policies, procedures, practices and documentation and extensive knowledge of bank products
- Excellent written, verbal communication and presentation skills
- Proficiency with personal computers and Word, Excel and related software packages
- Thorough knowledge of the bank’s risk‑rating system, credit and underwriting policies, and structure of credit products to complex ownership structures
The pay range for this role is $146,081.01 to $265,000.00.
Primary Location: Ability to work fully onsite at 1333 North California Blvd Suite 370 Walnut Creek CA 94596.
Our Benefits
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
Columbia 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:
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