Credit Analyst

Columbia Bank•Los Angeles, CA

1d•Onsite

About The Position

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, Underwriters 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 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. Prepare various documents for review by Underwriters and Relationship Managers. 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.

Requirements

Less than 1 year of relevant credit analysis, or commercial underwriting experience
Bachelor's Degree in Finance, Accounting or Economics
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.

Responsibilities

Review, analysis, and evaluation of credit data for commercial loans.
Collection of financial information and conducting analysis by generating, running, and utilizing system-generated reports.
Analyze loan needs and options available to meet clients’ financial goals.
Spread financial statements and related information to financial spreadsheets and/or software programs for analysis.
Analyze 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.
Prepare various documents for review by Underwriters and Relationship Managers.
Comply with all Federal, State, and local laws/regulations as applicable.
Provide exemplary customer service to internal and external clients.
Demonstrate compliance with all bank regulations for assigned job function and applies to designated job responsibilities.
Keep up to date on regulation changes.
Follow all Bank policies and procedures, compliance regulations, and complete 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 learn, demonstrate, and foster the Columbia corporate culture in all actions and words.
Take personal initiative and be a positive example for others to emulate.
Embrace our vision to become “Business Bank of Choice”.
May perform other duties as assigned.

Benefits

Comprehensive healthcare coverage (medical, dental, and vision plans)
401(k)-retirement savings plan with employer match for qualifying associate contributions
Employee assistance program
Life insurance
Disability insurance
Tuition assistance
Mental health resources
Identity theft protection
Legal support
Auto and home insurance
Pet insurance
Access to an online discount marketplace
Paid vacation
Sick days
Volunteer days
Holidays