Retail Business Banking Credit Analyst

Facilitates the origination, credit analysis underwriting and ongoing administration of loans. Works as a team closely with clients and Retail Business Bankers.
Works with clients and Retail Business Bankers to analyze loan needs and options available to meet client financial goals
Learning to conduct analysis by generating, running and utilizing system generated reports
Learning financial spread programs
Learning to prepare credit presentations
Identifies and offers products and services appropriate for the client in conjunction with the Relationship Manager
Learning to analyze client personal and business financial condition
Learning to recognize and mitigate credit and industry risks
Learning to analyze and complete portfolio analysis
Provides exemplary customer service to internal and external clients
On-going loan administration, file maintenance and collection of financials
Learning to ensure regulatory and bank compliance of all loan packages
Other duties as assigned
All employees are responsible for internal controls in the performance of their assigned duties. Internal Control responsibilities are established in various policies, procedures, and documents, including the Code of Conduct.
Bachelor's degree in Finance or other relevant area preferred- or equivalent work experienc
1+ years of commercial or consumer lending experience preferred
Learning how to complete the credit presentation
Developing a full understanding of cross sell opportunities across the bank
Developing understanding of banking and credit administration environments
Basic understanding of personal and business financial statements and tax returns
Developing knowledge of loan documentation and collateral perfection
Learning loan origination, financial spreading, and other banking software
Excellent verbal and written communication skills
Working knowledge of Microsoft Office Suite
Research and analysis skills with attention to detail
Ability to organize and process multiple projects to assure timely and accurate completion
Ability to work independently and collectively within a team environment
Ability to maintain a high level of professionalism and positive attitude with team members and clients
Building knowledge of other banking services offered by other Lines of Businesses to identify and offer qualified referrals
Be Genuine. Conduct yourself in a consistent, honest and compassionate manner at all times.
Work Ethic. Be willing to go the extra mile for the customer, whether internal or external.
Influence. Be an active player in participating, building and contributing to service.
Continuous Learning. Commit to gaining knowledge, skills and experience on an ongoing basis in order to better serve the customer, increase personal satisfaction and improve Columbia Bank.
Team Play. We win together. Individuality is encouraged to advance and enrich the work of the team.
Problem Solving. Bring creative, problem-solving mentality to every situation. See alternatives, take initiative and assume responsibility for your actions.
Communication. Keep others informed and up-to-date. Actively listen and learn from each other.
Have a sense of community. We firmly believe that we're only as strong as the communities we serve. Your involvement is an important part of who we are.
Ability to sit at a computer monitor for extended periods of time
Ability to perform repetitive finger, hand, and arm movements
Ability to lift up to 15lbs.
Ability to effectively discern information and formulate appropriate action
Ability to reach, squat, bend, and manually manipulate standard office equipment

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