Credit Analyst

Commercial Credit AnalystConducts complex credit investigations and analyzes credit information pertaining to commercial loans. Prepares credit analysis memorandums for presentation to lending and credit officers or loan committees. Provides guidance to credit analysts, Associate Development Program personnel and assistance to loan officers as needed. Furnishes information relative to credit inquiries.Job Responsibilities:Credit Analysis and DevelopmentDevelops and analyzes credit information for use by lending and credit officers or committees in the making of lending decisions on new, renewal, or extension loans.Reviews all pertinent credit and financial informationAnalyzes financial statements.Prepares credit analysis memorandums to determine credit-worthiness of commercial loan applicants.Exercises conservative judgement in approving Commercial Credit transactions or making recommendations for approval of these transactions to higher authorities.Loan Officer SupportWorks directly with lending, business development and credit officers in structuring complex commercial borrowing transactions.Reviews Precision Lender reports to ensure that transactions meet required minimum return on equity and return on asset standards.Annual File ReviewsPerforms portfolio maintenance responsibilities such as the preparation of annual credit file reviews.Team DevelopmentSupervises and provides training to credit analysts.Other ResponsibilitiesPerforms other duties as may be assigned.Job Requirements:A Bachelor's degree in Business Administration, Accounting, Finance, or other related field required.Minimum of 7 years experience as a Senior Commercial Credit Analyst required.Current or prior lending authority requiredWorking knowledge and understanding of commercial loan products, policies, procedures and federal regulations.Strong aptitude for figures and accuracy.Proven problem solving, decision making, underwriting and analytical skills.Demonstrated knowledge of applied accounting and finance concepts as well as proficiency in performing detailed financial analyses.Ability to work independently, effectively, and efficiently under time constraints.Ability to prioritize and manage multiple assignments with good organizational and time management skillsExcellent written and verbal communication skills.Demonstrated proficiency with computer software including MS Office applications and other specialized credit analysis and lending software.Integrity, initiative, and a proven work ethic.Benefits:Medical, Dental, Vision and Rx which are contributory.Bonus programs.Employee Stock Option Program (ESOP).Life Insurance, Long Term Disability and Accidental Death and Dismemberment (LTD&AD&D).Paid Time Off (PTO) which includes Personal and Vacation Time.Paid Sick Time.Bank Holidays.Employees may participate in the 401k program.Schedule:This role is eligible for a hybrid schedule: 3 days in the office and 2 days work from home, based on business needs. This arrangement may change without notice.Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.