Credit Analyst

Credit Analyst

Responsible for the review, analysis, and evaluation of credit data for commercial loans. This is an entry level, learning / development role.

Tasks include :

• Collection of financial information and conducting analysis by generating, running, and utilizing system-generated reports.
• Working with clients and Commercial Relationship Managers to analyze loan needs and options available to meet clients' financial goals.
• Spreading financial statements and related information to financial spreadsheets and / or software programs for analysis.
• Analyzing Accounts Receivable, Inventory and other collateral information to determine adequate collateral coverage for Asset Based loans.
• Analyzing financial data related to new and renewal commercial loan requests, including lines of credit, asset-based lines, equipment financing loans and / or commercial real estate loans.
• Conducting credit investigations and preparing credit approval reports and summaries.
• Monitoring existing loans to ensure complete conformity with terms.
• Presenting facts and offering opinions to Commercial Relationship Managers concerning applicant's credit worthiness.
• Complying with all Federal, State, and local laws / regulations as applicable.
• Providing exemplary customer service to internal and external clients.
• Demonstrating compliance with all bank regulations for assigned job function and applying to designated job responsibilities knowledge may be gained through coursework and on-the-job training. Keeping up to date on regulation changes.
• Following all Bank policies and procedures, compliance regulations, and completing all required annual or job-specific training.
• Maintaining 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 learning, demonstrating, and fostering the Columbia corporate culture in all actions and words.
• Taking personal initiative and being a positive example for others to emulate.
• Embracing our vision to become "Business Bank of Choice"
• May perform other duties as assigned.

Education Experience :

Skills :

Travel Requirements :

The pay range for this role is $[Position / Area Minimum to Position / Area 1.2 Compa Ratio].

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 : careers@columbiabank.com.

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.