Senior Commercial Credit Analyst - Hybrid ESOP

Columbia Bank Northeast; New York (NY); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Columbia Bank is seeking a Senior Commercial Credit Analyst to conduct complex credit investigations and analyze credit information for commercial loans. You will prepare credit analysis memorandums for lending and credit committees and provide guidance to credit analysts and loan officers.

The role includes structuring complex borrowing transactions, reviewing ROE/ROA standards, and performing annual file reviews. A strong background in finance, banking regulations, and Excel is required.

Qualifications

• Bachelor’s degree in Business Administration, Accounting, Finance, or related field required.
• Minimum 7 years of experience as a Senior Commercial Credit Analyst.
• Current or prior lending authority required.
• Experience with US GAAP and banking regulations.

Responsibilities

• Develops and analyzes credit information for lending decisions on new or existing loans.
• Prepares credit analysis memorandums for lending and credit committees.
• Reviews credit and financial information to determine credit-worthiness.
• Supervises and trains credit analysts.
• Reviews reports to ensure ROE/ROA standards are met.
• Structures complex commercial borrowing transactions with lenders.

Skills

Analytical skills

Financial analysis

Communication skills

Time management

Education

Bachelor's degree

Tools

MS Excel

Core banking systems

General ledger software

Job description

Columbia Bank is seeking a Senior Commercial Credit Analyst to conduct complex credit investigations and analyze credit information for commercial loans. You will prepare credit analysis memorandums for lending and credit committees and provide guidance to credit analysts and loan officers.

The role includes structuring complex borrowing transactions, reviewing ROE/ROA standards, and performing annual file reviews. A strong background in finance, banking regulations, and Excel is required.