CRE Credit Analyst

Commercial Real Estate Loan Portfolio Analyst

Responsible for supporting the Underwriters and Relationship Managers in the management of Commercial Real Estate Division's loan portfolio by reviewing, analyzing and evaluating credit data for commercial real estate loans. Responsible for handling the financial reporting required from borrowers, covenant compliance, and term loan reviews. Contributes to underwriting new loan originations as directed by UW team.

Support team of CRE Underwriters. Collaborate with CRE Underwriters and production staff to manage financial reporting ticklers and covenant compliance per operating procedure guidelines.

Complete risk ratings for term loan reviews and credit actions in support of Underwriters.

Ensure accuracy of items in credit file. Responsible for timely financial reporting and elevate delinquencies to UW and RM.

Review and analyze various third party documents and reports, including property financial statements, rent rolls, appraisals, environmental reports, personal credit reports, title reports, and borrowing entity structures.

Complete site inspections as requested and prepare site inspection reports addressing property condition, occupancy levels, surrounding uses, and general quality of collateral.

Independently prepare Term Loan Reviews for assigned relationships in conformance with operating procedure guidelines.

Remain up to date on Bank and CRED underwriting procedures and identify exceptions to policy or guidelines.

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 Columbia 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.

Education: Bachelor's Degree in Finance, Accounting, or another related field or equivalent (preferred)

Experience: Less than 2 years Financial analyst in support of commercial or CRE lending platform. (Preferred)

Skills: Strong desire to develop financial analysis skills and CRE underwriting skills. Basic ability to analyze financial and non-financial statements and tax returns. Experience with complex loan structures a plus. Ability to independently handle financial reporting and analysis of assigned relationships, collaborating with UW and RM. Demonstrate excellent organization and time management skills. Ability to take initiative with minimal direction, to work on multiple tasks simultaneously, and to meet deadlines. Possess solid analytical, problem solving, and interpersonal skills. Possess excellent written and verbal communication skills and work well in a team environment. Proficient skills in spreadsheet and word processing software (Excel and Word preferred).

Travel Requirements: Occasional

The pay range for this role is $30.00 to $47.00. 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.

Primary Location: Ability to work fully onsite at posted location(s).

17901 Von Karman Avenue Suite 700 Irvine CA 92614

Our Benefits: We are proud to offer a competitive total rewards package including base wages and comprehensive 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: View email address on click.appcast.io.

To Staffing and Recruiting Agencies: Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia 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 Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.