Senior Commercial Credit Analyst — Hybrid Role

Columbia Bank Northeast; Pennington (NJ); Hybrid; USD 100,000 - 150,000; Full time

Benefits offered by this job

Medical/Dental/Vision

ESOP

Life Insurance

Long Term Disability and AD&D

PTO

Paid Sick Time

Bank Holidays

401k plan

Job summary

Columbia Bank Northeast is seeking a Senior Commercial Credit Analyst to conduct complex credit investigations and prepare credit analysis memorandums for lending decisions. You will support loan officers and credit officers, supervise analysts, and participate in annual file reviews.

The role requires a Bachelor’s degree in business/finance and at least seven years of experience, with lending authority and strong analytical skills.

Qualifications

• Bachelor’s degree in business, accounting or finance required.
• Minimum of 7 years as a Senior Commercial Credit Analyst.
• Current or prior lending authority required.
• Strong aptitude for figures and accuracy.
• Proven problem solving, decision making, underwriting and analytical skills.
• Demonstrated knowledge of applied accounting and finance concepts and proficiency in detailed financial analyses.

Responsibilities

• Develops and analyzes credit information for lending decisions on new, renewal, or extension loans.
• Prepares credit analysis memorandums to determine credit-worthiness of commercial loan applicants.
• Structures complex commercial borrowing transactions with lending and credit officers.
• Reviews Precision Lender reports to ensure ROE/ROA standards.
• Performs portfolio maintenance such as annual credit file reviews.
• Supervises and trains credit analysts.
• Performs other duties as assigned.

Skills

Analytical skills

Financial analysis

Communication skills

Time management

Integrity and work ethic

Education

Bachelor’s degree in business administration, accounting, or finance

Tools

MS Office

Credit analysis software

Job description

Columbia Bank Northeast is seeking a Senior Commercial Credit Analyst to conduct complex credit investigations and prepare credit analysis memorandums for lending decisions. You will support loan officers and credit officers, supervise analysts, and participate in annual file reviews.

The role requires a Bachelor’s degree in business/finance and at least seven years of experience, with lending authority and strong analytical skills.