Credit Analyst

About the Role

Responsible for the review, analysis, and evaluation of credit data for commercial loans.

• Responsible for collection of financial information and conducting analysis by generating, running, and utilizing system-generated reports.
• Works with clients, Underwriters and Commercial Relationship Managers to analyze loan needs and options available to meet clients’ financial goals.
• Spreads financial statements and related information to financial spreadsheets and/or software programs for analysis.
• Analyzes Accounts Receivable, Inventory and other collateral information to determine adequate collateral coverage.
• Analyzes 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.
• Conducts credit investigations and prepares credit approval reports and summarizes credit.
• Monitors existing loans to ensure complete conformity with terms.
• Presents facts and offers opinions to Commercial Relationship Managers and Underwriters concerning applicant’s credit worthiness.
• Complies with all Federal, State, and local laws/regulations as applicable.
• Provide exemplary customer service to internal and external clients.
• 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.
• This position reports to the Commercial Underwriting Manager.

• Minimum two years of experience of relevant credit analysis and commercial underwriting experience (Required)
• Bachelor's degree required

• Basic analytical and problem-solving skills.
• Strong written and verbal communications skills.
• Basic understanding of banking and credit administration environments
• Basic credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience.
• Basic knowledge of credit policies, procedures, practices and documentation.
• Basic understanding of personal and business financial statements and tax returns.
• Basic knowledge of loan documentation and collateral perfection.
• Ability to learn loan origination, financial spreading, and other banking software.
• Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
• Proficiency with personal computers and related software packages such as Word and Excel, and other business machines.
• Credit Lens experience preferred.

• Occasional

The pay range for this role is $27.75 - $46.25.

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.

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

790 E Colorado Blvd Suite 150 Pasadena CA 91101

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,…