Sr. Commercial Credit Analyst I

Job Description

Job Description

Summary Conducts complex credit investigations and analyzes credit information pertaining to commercial loans in order to evaluate the credit worthiness of commercial clients. Prepares credit memorandum and packages for presentation to loan officers or committees. Provides guidance to credit analyst and assistance to loan officers as needed. Completes annual credit file reviews on existing loans in pipeline and assigns a risk rating. Participates in special projects and provides assistance to loan officers as requested.

Job Responsibilities :

Credit Analysis and Development

• Develops and analyzes credit information for use by lending officers or committees in the making of lending decisions on new, renewal, or extension loans.
• Reviews all pertinent credit and financial information.
• Analyzes financial statements and related material.
• Prepares credit memorandum and determines credit-worthiness.
• Investigates all available sources of credit and financial information and reviews agency reports.
• Using a financial statement spreading program, prepares stand alone and global debt service calculations to determine the ability of the borrower and guarantors to pay the loan.
• Verifies that all financial covenants and conditions have been met.
• Ensures that Loan meets all policy and regulatory guidelines and policies.

Annual File Reviews

Loan Officer Support

Team Development

Other Responsibilities

Requirements :

Columbia Bank offers the following benefits :

Schedule :

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.