Sr. Commercial Credit Analyst II

Columbia Bank; Pennington (NJ); Hybrid; USD 109,000 - 164,000; Full time

Benefits offered by this job

Medical insurance

ESOP

Life Insurance

Paid Time Off

Paid Sick Time

Bank Holidays

401k

Job summary

Columbia Bank in Pennington, NJ is seeking a Sr. Commercial Credit Analyst II to conduct complex credit investigations and prepare analyses for loan decisions. The role requires extensive credit analysis experience and provides opportunities to mentor junior staff.

You will support lending officers, review financial information, and develop credit analyses for loan committees; the position offers a hybrid schedule with some days in the office and some remote.

Qualifications

• Bachelor’s degree in Business Administration, Accounting, Finance or related field required.
• Minimum of 7 years experience as a Senior Commercial Credit Analyst required.
• Current or prior lending authority required.
• Working knowledge of commercial loan products, policies, procedures and federal regulations.
• Strong aptitude for figures and accuracy.
• Proven problem solving, decision making, underwriting and analytical skills.
• Ability to work independently under time constraints.
• Excellent written and verbal communication skills.

Responsibilities

• Develops and analyzes credit information for lending decisions on new, renewal, or extension loans.
• Reviews credit and financial information to determine credit-worthiness.
• Prepares credit analysis memorandums for loan committees.
• Structures complex borrowing transactions with lending and credit officers.
• Performs portfolio maintenance and annual credit file reviews.
• Supervises and trains credit analysts.
• Performs other duties as assigned.

Skills

Analytical skills

Financial analysis

Problem solving

Attention to detail

Education

Bachelor's degree in Business Administration, Accounting, Finance

Tools

MS Office

Credit analysis software

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Sr. Commercial Credit Analyst II

Regular Full-Time Pennington, NJ, US 1 Attachments

4 days ago Requisition ID: 2817

Salary Range: $109,490.00 To $164,234.00 Annually

Summary: Conducts complex credit investigations and analyzes credit information pertaining to commercial loans. Prepares credit analysis memorandums for presentation to lending and credit officers or loan committees. Provides guidance to credit analysts, Associate Development Program personnel and assistance to loan officers as needed. Furnishes information relative to credit inquiries.

Job Responsibilities:

Credit Analysis and Development

• Develops and analyzes credit information for use by lending and credit officers or committees in the making of lending decisions on new, renewal, or extension loans.Credit Analysis
• Reviews all pertinent credit and financial information
• Prepares credit analysis memorandums to determine credit-worthiness of commercial loan applicants.
• Exercises conservative judgement in approving Commercial Credit transactions or making recommendations for approval of these transactions to higher authorities.

Loan Officer Support

• Works directly with lending, business development and credit officers in structuring complex commercial borrowing transactions.
• Reviews Precision Lender reports to ensure that transactions meet required minimum return on equity and return on asset standards.

Annual File Reviews

• Performs portfolio maintenance responsibilities such as the preparation of annual credit file reviews.

Team Development

• Supervises and provides training to credit analysts.

Other Responsibilities

• Performs other duties as may be assigned.

Job Requirements:

• A Bachelor’s degree in Business Administration, Accounting, Finance, or other related field required.
• Minimum of 7 years experience as a Senior Commercial Credit Analyst required.
• Current or prior lending authority required
• Working knowledge and understanding of commercial loan products, policies, procedures and federal regulations.
• Strong aptitude for figures and accuracy.
• Proven problem solving, decision making, underwriting and analytical skills.
• Demonstrated knowledge of applied accounting and finance concepts as well as proficiency in performing detailed financial analyses.
• Ability to work independently, effectively, and efficiently under time constraints.
• Ability to prioritize and manage multiple assignments with good organizational and time management skills
• Excellent written and verbal communication skills.
• Demonstrated proficiency with computer software including MS Office applications and other specialized credit analysis and lending software.
• Integrity, initiative, and a proven work ethic.

Columbia Bank offers the following benefits:

• Medical, Dental, Vision and Rx which are contributory.
• Employee Stock Option Program (ESOP).
• Life Insurance, Long Term Disability and Accidental Death and Dismemberment (LTD&AD&D).
• Paid Time Off (PTO) which includes Personal and Vacation Time.
• Paid Sick Time.
• Bank Holidays.
• Employees may participate in the 401k program.

Schedule:

• This role is eligible for a hybrid schedule: 3 days in the office and 2 days work from home, based on business needs. This arrangement may change without notice.

Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.

Attachments (1)

Columbia Bank 2026 Benefits Guide FINAL 01.01.2026.pdf