Sr. Commercial Credit Analyst II

Columbia Bank is a full-service consumer and commercial bank serving individuals, businesses, and communities across New Jersey, Staten Island, and Brooklyn. Through our banking, title, insurance, and wealth management businesses, we provide a broad range of financial solutions tailored to our customers’ needs. We are also committed to strengthening the communities we serve through employee volunteerism, community partnerships, and the Columbia Bank Foundation.

Why this Role Matters

: 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.

What You'll Deliver/Areas of Impact

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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
• Analyzes financial statements.
• 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.

What You'll Need to Succeed

• 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.

Technology Qualifications

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• Experience preparing audit supporting documents.
• Experience with general ledger reconciliations in compliance with FDCIA and Sarbanes-Oxley.
• Experience supporting or responding to internal and external audit requests.

Understanding of US GAAP, banking regulations, and accounting principles. * Proficiency in Microsoft Excel. * Experience working with core banking systems and general ledger platforms.

How We Take Care of You

• Medical, Dental, Vision and Rx which are contributory.
• Bonus programs.
• 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.

The hours that you will dedicate to work

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* This position currently follows a hybrid schedule of 3 in-office days and 2 remote days per week. Effective January 4, 2027, the schedule will transition to 4 in-office days and 1 remote day per week. Hybrid work arrangements are subject to business needs and may change..

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