Commercial Credit Analyst I

Commercial Loan Analyst

At Columbia, we create a great place to work by offering a unique brand of relationship banking and fostering a culture where associates thrive. We are dedicated to supporting our customers and communities, and we can only achieve this through the dedication of our associates.

We value Trust, Ownership, Growth, Empathy, Teamwork, Heart, Enjoyment, and Relationships, and we are eager to meet candidates who embody these core values. We are always on the lookout for results-focused individuals who can think independently, work collaboratively, and support our broader purpose.

Think of us as financial partners, because at Columbia, we believe the best way forward is together. Together for people. Together for business. Together for better.

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

• Responsible for collection of financial information and conducting analysis by generating, running, and utilizing system-generated reports.
• Works with clients 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 for Asset Based loans.
• 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 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.

Bachelors Degree in Accounting, Finance, Business or other relevant field or equivalent work experience. Must have completed basic accounting class(es) acquired through an accredited university or college. Required. Less than 1 years of relevant credit analysis, underwriting experience, commercial or consumer lending experience. 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.

San Luis Obispo, CA

We offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $23.00 - $35.00, and 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.

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.

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.