CRE AQR Analyst

Columbia Bank•Lake Oswego, OR

12d•Onsite

About The Position

Reviews and analyzes Commercial Real Estate loans through the bank’s annual term loan review process. Responsible for preparing reports regarding the outcome of the analysis performed and approves loan reviews within delegated authority. Assists in the administration and analysis of both the non-owner occupied and owner occupied loan portfolios managed by Centralized Portfolio Services (“CPS”), through the performance of loan level review functions, and periodic follow up for the purpose of risk identification, verification of collateral financial performance, verification of risk rating accuracy, covenant compliance and update to the compilation of various performance-related data points utilized to stress test for additional testing and reporting of the Columbia Bank commercial loan portfolio. These functions include risk assessment through in-depth financial analysis, exception tracking, appraisal/environmental review; and may include the tracking, monitoring, and reporting of market conditions for commercial real estate secured loans. Prepares spreads and analyzes financial statements and related information, using financial software programs that includes Moodys and nCino, and/or the use of custom excel spreadsheets for analysis . Uses financial statements and related information to review for review collateral performance trends over time, trends in borrower/guarantor financial position, personal and/or business credit, and collateral condition. Responsible for veracity of information in final report, through discussion with borrowers, guarantors, or property managers, as appropriate; to gather, verify or clarify information. Prepares formal narrative reports detailing findings based on analysis and outcome of the review. Analyzes a variety of commercial and real estate loans. Approves loan reviews within delegated authority. 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.

Requirements

4-7 years of experience in Commercial Real Estate performance analysis and loan structuring or equivalent experience.
Advanced analytical and problem solving skills.
Advanced credit and credit quality skills.
Strong attention to detail.
Advanced written and verbal communication and presentation skills.
Strong ability to work effectively with individuals and groups across the company to manage customer relationships.
Proficiency with computers and related software packages such as Word and Excel, and other business machines.
Advanced knowledge of appropriate banking laws, regulations, and the Bank’s policies and practices.
Ability to train and present to small and large audiences or has the interest in learning to train and present.

Nice To Haves

Ability to train and present to small and large audiences or has the interest in learning to train and present.

Responsibilities

Reviews and analyzes Commercial Real Estate loans through the bank’s annual term loan review process.
Prepares reports regarding the outcome of the analysis performed.
Approves loan reviews within delegated authority.
Assists in the administration and analysis of loan portfolios.
Performs loan level review functions and periodic follow up for risk identification, verification of collateral financial performance, verification of risk rating accuracy, covenant compliance, and update to compilation of performance-related data points.
Conducts risk assessment through in-depth financial analysis, exception tracking, and appraisal/environmental review.
Tracks, monitors, and reports on market conditions for commercial real estate secured loans.
Prepares spreads and analyzes financial statements and related information using financial software programs (Moodys, nCino) and/or custom Excel spreadsheets.
Reviews collateral performance trends, borrower/guarantor financial position, personal/business credit, and collateral condition.
Gathers, verifies, or clarifies information through discussions with borrowers, guarantors, or property managers.
Prepares formal narrative reports detailing findings based on analysis and review outcomes.
Analyzes a variety of commercial and real estate loans.
Demonstrates compliance with all bank regulations and policies.
Keeps up to date on regulation changes.
Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.
Maintains a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other applicable regulations.
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.
Takes personal initiative and is a positive example for others.
Embraces the vision to become “Business Bank of Choice”.
May perform other duties as assigned.