Credit Analyst at Columbia Bank — Riverside, CA

About the Role

Responsible for the review, analysis, and evaluation of credit data for commercial loans. This is an entry level, learning/development role.

• Responsible for collection of financial information and conducting analysis by generating, running, and utilizing system-generated reports.
• Works with clients and Commercial Relationship Managers to analyze loan needs and options available to meet clients’ financial goals.
• Spreads financial statements and related information to financial spreadsheets and/or software programs for analysis.
• Analyzes Accounts Receivable, Inventory and other collateral information to determine adequate collateral coverage for Asset Based loans.
• Analyzes financial data related to new and renewal commercial loan requests, including lines of credit, asset-based lines, equipment financing loans and/or commercial real estate loans.
• Conducts credit investigations and prepares credit approval reports and summarizes credit.
• Monitors existing loans to ensure complete conformity with terms.
• Presents facts and offers opinions to Commercial Relationship Managers concerning applicant’s credit worthiness.
• Complies with all Federal, State, and local laws/regulations as applicable.
• Provide 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.
• May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
• Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words.
• Takes 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:

Education

Experience

• Less than 1 years — of relevant credit analysis, underwriting experience, commercial or consumer lending experience (Required)

Skills

• Basic analytical and problem-solving skills.
• Strong written and verbal communications skills.
• Basic understanding of banking and credit administration environments
• Basic credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience.
• Basic knowledge of credit policies, procedures, practices and documentation.
• Basic understanding of personal and business financial statements and tax returns.
• Basic knowledge of loan documentation and collateral perfection.
• Ability to learn loan origination, financial spreading, and other banking software.
• Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
• Proficiency with personal computers and related software packages such as Word and Excel, and other business machines.

Travel Requirements

• Occasional

The pay range for this role is $23.00 to $35.00.

3403 Tenth Street Suite 830 Riverside CA 92501 Our Benefits:

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