Credit Products Officer - National Franchise Banking

Columbia Banking System; Phoenix (AZ); On-site; USD 78,000 - 135,000; Full time

Benefits offered by this job

Medical, dental, and vision plans

401(k) with employer match

Paid vacation, sick days, holidays

Job summary

Columbia Bank in Phoenix, AZ is seeking a Franchise Finance Credit Analyst to review and analyze credit data for complex requests and assist senior officers with decision-ready memoranda. You will spread and model financial statements, monitor covenant compliance, and support portfolio monitoring and timely notifications of violations.

The role requires 2–5 years in commercial underwriting or credit analysis, with a strong background in financial modeling and Excel.

Qualifications

• Bachelor’s degree in business, finance, accounting or equivalent experience required.
• 2–5 years commercial underwriting/credit analysis or related lending experience.
• 1–3 years Franchise lending experience preferred.

Responsibilities

• Review, analyze, and evaluate credit data for complex Franchise Finance requests.
• Spread financial statements and prepare decision-ready credit memoranda.
• Monitor compliance and covenant calculations; assist in annual reviews and early warning indicators.
• Prepare credit recommendations for approval processes and communicate with Relationship Managers.

Skills

Analytical thinking

Problem solving

Financial modeling

Excel proficiency

Office software (Word, PowerPoint)

Ability to manage client relationships

Education

Bachelor’s degree in business/finance/accounting

Master’s degree (preferred)

Tools

Excel

Word

PowerPoint

Job description

About the Role:Responsible for review, analysis, and evaluation of credit data for specialized and complex Franchise Finance credit requests. The role performs initial financial spreading, modeling, and analysis; assists VP and SVP Credit Products Officers with preparing decision-ready credit memoranda; executes ongoing monitoring (annual reviews, covenant compliance, early warning indicators, criticized/problem credit support) in partnership with Credit Products Officers; manages and maintains internal databases containing industry trends and portfolio monitoring.Collect, spread, and analyze business, industry, financial data and other supporting credit information concerning a client or prospect’s credit request. May include evaluation of enterprise-level and unit-level performance drivers (store sales trends, margins, labor and food cost sensitivity, operating leverage, and multi-unit execution risk).Monitor borrower financial performance in line with commercial and/or real estate loan documents; spreads financial statement and/or ensures required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete and adhere to approval conditions and loan documentation. Ensures borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.Performs financial modeling and projections of client provided financial statements, including bank case and stress case scenarios, ratio analysis, and comparison to industry benchmarks.Assist VP and SVP Credit Products Officers to prepare timely, concise and accurate credit recommendations for submission to next level of authority.Responsible for collection of financial information and conducting analysis by generating, running, and utilizing system-generated reportsPresents facts and offers opinions to Commercial Relationship Managers and VP and SVP Credit Products Officers concerning client and prospects credit worthiness. Provides 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.Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and wordsTakes 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.About You:EducationBachelor’s degree in business, Finance, Accounting, or equivalent work experience (Required)Master’s degree in business administration, Finance, or Accounting (Preferred)Experience2-5 years - Commercial underwriting/credit analysis experience or relevant lending experience or equivalent work experience. (Required)1-3 years - Franchise lending experience (Preferred)SkillsStrong analytical and problem-solving skills.Strong analytical and problem-solving skills.Intermediate credit and financial modeling skills including accounting, financial statement spreading, and cash flow analysis experience. Basic understanding of personal and business financial statements and tax returns.Strong knowledge of loan documentation and collateral perfection.Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on timeAbility to work effectively with individuals and groups to manage internal and external customer relationships.Proficiency with personal computers and related software packages such as Word, Excel, PowerPoint, and other business machines.Travel RequirementsOccasionalThe pay range for this role is $78,000.00 to $135,000.00.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).2155 W Pinnacle Peak Rd Phoenix AZ 85027Our 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: [e-mail] .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.