Credit Administrator Credit Services Lake Oswego, Oregon **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:** This position reports to the Sr. Credit Officer and is responsible for reviewing approving, declining, or recommending commercial credit applications within assigned approval limits while maintaining risk exposure consistent with bank loan quality guidelines. Monitors quality and performance of portfolio(s) and advises line partners on strategies to protect bank capital, Develops partnerships with other business line leaders for mutual goal attainment and collaboration on shared priorities. + Collaborate with bankers to develop high quality loan portfolios and service client relationships. Review, approve, decline or recommend credit facilities. Administer and review loans and loan commitments within assigned authorities. May contribute to the development of credit policies, processes, and methodologies. + The position includes individual secured credit authority of up to $15,000,000 in Total Credit Exposure (TCE). Any relationship that exceeds assigned authority or is otherwise outside of an individual’s established credit authority as defined by Credit Policy or Guidelines, will require recommendation to Associate(s) with higher authority. + Oversee the management of delinquent loans, ensuring that bankers are making appropriate contact with past due accounts. Oversee completion and accuracy of monthly past due-loan reports and problem loan reports by bankers and ensures timely submission to Credit Quality Administration. + Monitor and verify risk rating accuracy on delinquent loans and those submitted for approval. Advises bankers on the risk rating process and ensures timely documentation of migrations. + Review credit recommendations for accuracy and coach the banking staff in the development of complete, accurate and well-structured credit recommendations. + Provide guidance and advice to the banking staff on financial analyses, loan structuring and other credit considerations. Ensure lending staff is aware of all relevant changes in credit requirements. + Engage with external clients, prospects, and banking staff providing experienced perspective regarding risk identification, mitigation, and loan structuring. Provide strong and consistent credit leadership. + 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 in Accounting, or Finance, or equivalent combination of education and experience. + 10 -15 years of experience in Commercial, Business or Consumer Lending with experience within Private Banking, Mortgage Lending or SBA Lending. + 3-5 years in an Underwriter, Portfolio Manager and/or Client Solutions (or equivalent) position. + 2 years of experience with credit approval authority. + Comprehensive banking/lending background in management and extensive experience in commercial, real estate, commercial and residential construction, and consumer lending, including mortgage lending, business lending, SBA and loan portfolio management, including the use of models. + Strong analytical, decision-making and problem-solving skills. + Strong interpersonal and collaboration skills; comfortable dealing with a large span of people across all levels of the organization. + Strong communication skills – verbal, listening, written, and presentation. + Solid financial business acumen and ability to interpret and understand financial reports and presentations regrading credit portfolio performance. + Strong computer skills including use of the Microsoft Office suite and ability to learn new business software as needed. + Strong understanding of market orientation - uses knowledge effectively with internal and external customers. + Ability to train and present to small and large audiences or has interest and ability to learn to train and present. + Ability to stay current on legal and regulatory requirements applicable to the bank’s portfolio. **Job Location(s):** Ability to work fully onsite at posted location(s). 5885 Meadows Road Lake Oswego, OR 97035 **Our Benefits:** We offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $[Position’s U Minimum to Position’s P 1.2 Compa Ratio], 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.