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Columbia Bank New Jersey · 2 weeks ago

Jr. Credit Risk Review Analyst

Fair Lawn, NJ

Full-time

Hybrid

Entry Level

1+ years exp

Columbia Bank is a financial institution located in New Jersey, and they are seeking a Jr. Credit Risk Review Analyst to join their Credit Risk Review department. This role involves conducting reviews of commercial loans, analyzing credit, and assessing documentation to ensure compliance with lending policies.

BankingFinancial ServicesMortgage

Responsibilities

Performs independent, comprehensive assessments of credit to evaluate underwriting and credit quality within the Bank’s loan portfolio. Analyzes the financial condition of the borrower, repayment capacity, collateral value, credit and appraisals. Tests for compliance with the Bank’s lending policies and federal regulations. Reviews documentation of loans to ensure all required information is complete and accurate. Validates the accuracy of existing commercial loan grades in accordance with the metrics outlined in the Bank’s loan grade system. Reports findings to the Director Credit Risk Review

Participates in various commercial lending training courses through industry trade organizations including, but not limited to, ProSight (fka RMA), American Bankers Association, and NJ Bankers

Assists with the tracking and reporting of documentation/condition exceptions based on quarterly review findings

Provides support with data collection and preparation of board level credit risk management reports, including, but not limited to concentration, policy exception, and stress testing. Supports other areas of risk management with credit related analysis

Assists with the preparation for the onsite review of by third party consultants and external auditors

Remains current with industry regulations, market conditions, and Bank policies, procedures, and lending product offerings to ensure compliance throughout the underwriting and credit administration process and to assess risk in credit transactions

Performs other job-related duties as may be assigned

Qualification

Credit risk managementCommercial loan analysisExcel proficiencyAnalytical thinkingPresentation skillsAttention to detailWritten communicationVerbal communication