Jr. Credit Risk Review Analyst

Join to apply for the Jr. Credit Risk Review Analyst role at Columbia Bank New Jersey

This range is provided by Columbia Bank New Jersey. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

$26.96/yr - $40.44/yr

The Jr. Credit Risk Review Analyst works alongside more senior level analysts within the Credit Risk Review department to gain knowledge and experience in the review of commercial loans as well as overall credit risk management. Conducts detailed reviews of less complex commercial loan transactions. Analyzes credit, evaluates collateral and guarantor support, and assesses documentation. Ensures individual credits are adequately underwritten, properly graded, and conform to the Bank’s lending policies.

Identifies trends and risks within the Bank’s loan portfolio.

• Perform independent, comprehensive assessments of credit to evaluate underwriting and credit quality within the Bank’s loan portfolio. Analyze the financial condition of the borrower, repayment capacity, collateral value, credit and appraisals. Test for compliance with the Bank’s lending policies and federal regulations. Review documentation of loans to ensure all required information is complete and accurate. Validate the accuracy of existing commercial loan grades in accordance with the metrics outlined in the Bank’s loan grade system.
  
  Report findings to the Director Credit Risk Review.
• Participate in various commercial lending training courses through industry trade organizations including, but not limited to, Pro Sight (fka RMA), American Bankers Association, and NJ Bankers.
• Assist with the tracking and reporting of documentation/condition exceptions based on quarterly review findings.
• Provide support with data collection and preparation of board level credit risk management reports, including, but not limited to concentration, policy exception, and stress testing. Support other areas of risk management with credit related analysis.
• Assist with the preparation for the onsite review of by third party consultants and external auditors.
• Remain current with industry regulations, market conditions, and Bank policies, procedures, and lending product offerings to ensure compliance throughout the underwriting and credit administration process and to assess risk in credit transactions.
• Perform other job-related duties as may be assigned.

• Bachelor’s degree in finance, accounting, business administration, economics or related field
• Minimum of 1 year of relevant experience (internships, job shadowing, or entry‑level roles in banking or finance).
• Basic to intermediate presentation skills and Excel proficiency
• Analytical thinking and attention to detail.

• Medical, Dental, Vision and Rx which are contributory.
• 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.

This role is eligible for a hybrid schedule; 3 days in the office and 2 days work from home based on business need.

Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.