Credit Risk Review Examiner III

　　Audit and Loan Review

　　Tacoma,Washington

　　Portland,Oregon

　　Description

　　About Us:

　　UmpquaBank is apublicly traded financial holdings company, headquartered inthe Pacific Northwestwith6,000+ employees,which offers bankingservices tocustomersthroughout the nation.It’s an especially exciting time to join our teamas,followingtherecentmerger with Columbia Bank,wehavegrownto become aleadingwestern-basedregionalbankwithmore than$50B in assets under managementand an unwaveringcommitment to ourassociates,ourcustomers,and our communities.

　　We create a great place to work by offering a special brand of relationship banking andby providing a culture where associates thrive.Associates who embody our core valuesfit in well here and we are eager to meet candidates who demonstrate behaviorsthat align with Trust, Ownership, Growth, Empathy, Teamwork, Heart, Enjoyment, and Relationships.

　　About the Role:

　　Provides an independent review and risk assessment of non-Homogeneous loans, including some of the bank's largest and most complex 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. Periodically also responsible for managing reviews of loan portfolios; coordinating workflow for a team of review officers, summarizing results, and communicating issues of concern to bank senior management.

　　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.

　　Reviews recommended loan grade changes for non-Homogeneous loans/commitments to ensure the appropriate Risk Ratings are assigned.

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

　　Plans and conducts loan portfolio reviews, coordinating workflow, ensuring accuracy and completeness of results, summarizing and communicating issues of concerns to bank senior management.

　　Advises senior management and the Board of Directors on specific loan situations and brings problems or documentation deficiencies to their attention.

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

　　Demonstrate compliance with all bank regulations that apply to your position and keep up to date on regulation changes.

　　Maintain working knowledge of our policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other regulations that apply to your position.

　　May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

　　About You:

　　Bachelor's Degree in business, finance, economics, accounting, or equivalentpreferred

　　Master's Degreepreferred

　　4-7 yearsofexperience in the specialized field of Credit Review or equivalent experience as an examiner with one of the federal regulatory agenciesrequired

　　CPAor comparable auditcertificationpreferred

　　Requires wide-ranging and in-depth knowledge of Credit Review practices/techniques, regulatory requirements, and company policies and procedures.

　　Requires significant experience demonstrating the ability to oversee and/or conduct medium to high-risk reviews and examinations for a wide variety of industries.

　　Demonstrated ability to effectively resolve sensitive situations.

　　Outstanding financial analytical, written and verbal communication skills.

　　Proven ability to work as part of a high-performing team – ability to plan and organize, lead teams, multi-task, and manage complex projects.

　　Must have excellent written and verbal communication skills; able to engage in tough conversations and deliver clear, meaningfulconclusions and recommendations.

　　Intellectually curious; professional; confident; collaborative; strong moral compass.

　　Ability to traveloccasionally

　　Work Style:

　　Umpqua Bank offers a Flexible Workplace Program and this opportunity comes with the Flex Office work style which is working in office from a designated company location three days weekly with flexibility to work remotely up to two days weekly.

　　Our Benefits:

　　We offer a competitive total rewards package including basewagesand comprehensive benefits. Thepayrange for this role is $64,947.00- $111,337.20, and the pay rate for theselected candidate isdependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The rolemay beeligible 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 isan equal opportunityand affirmative actionemployercommitted to employing, engaging, and developinga diverse workforce.Allqualifiedapplicants will receive considerationfor employmentwithout 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 onlyintendedfor individuals seekingemploymentat 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 resumestothis site or toany Umpqua Bank employeeand any such submissionswill be consideredunsolicitedunlessrequesteddirectlyby a member of the Talent Acquisition team.