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Job Description Summary: 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. Job Responsibilities: 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. Job Requirements: • 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. Columbia Bank offers the following benefits: • 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. Schedule: • This role is eligible for a hybrid schedule: 3 days in the office and 2 days work from home, based on business needs. This arrangement may change without notice. Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.

Job Description iCreditWorks offers a highly configurable Platform-as-a-Service (PaaS) “Point-of-Sale” (POS) lending solution, including a first-in-market native mobile App and integrated payment technologies to drive B2B/B2B2C financing. Through cutting-edge mobile technology and artificial intelligence, we’re revolutionizing access to credit by delivering a seamless user experience for healthcare consumers and beyond. We are looking for a proactive and creative Senior FinTech Credit Analyst to join our team. This is an exciting opportunity to work in a fast-paced, entrepreneurial environment. As part of our underwriting team, you will leverage your expertise and knowledge to help us determine applicant credit decisions, the validity of information in question, and the review of supporting documentation. The ideal candidate is a critical thinker, highly analytical, and a driven problem-solver. The candidate should also be passionate about innovation, the client-experience, and collaborating with our Risk, Senior Management, and Engineering teams to maximize revenue. Duties and Responsibility • As part of the underwriting team, understand and shape credit policy to support the Company vision and third-party loan purchasers., • Gain a full understanding of the technology and processes that drives the business, including but not limited to loan input provider portals, websites, mobile app origination process and ongoing loan servicing., • Review, analyze, and evaluate consumer & commercial loan application data in our database to validate that they have been handled according to credit policy, procedures, and that of our underwriting decision engine, as well as risk mitigation techniques. This would include approvals, declines, and counteroffers., • Analyze and investigate loan applicant’s information in response to alerts from credit and fraud services where certain information cannot be confirmed or does not match the verification database. This would also include all consumer statements and any credit freezes that may be in place on a credit report. Direct contact with the applicant may be necessary to address questions., • Analyze and calculate documentation that is provided to verify the applicant’s income, research commercial websites (e.g., secretary of state, NPI records, and the like) to validate business information. This may include the review of tax returns, and other business documentation as needed., • Responsible for receiving communications with applicants and referral partners as needed to answer questions or obtain additional information., • Ability to support team with research and responses to internal/external audits and other projects as they arise., • Perform other duties as assigned. Minimum Experience Requirements • Five plus years of experience and full understanding of credit risk and merchant risk in these point-of-sale verticals: Home Improvement, Dental, Medical, Auto Repair or Device Purchase, • Advanced Microsoft Office skills, specifically Excel (including creation of pivot tables, logic functions, data tables and regression analysis), PowerPoint, and Word, • Building, improving, or analyzing risk management strategies for an unsecured consumer or small business lending product, • Utilizing knowledge of U.S. credit bureau data, risk scorecards, and debt service coverage ratios, • Knowledge of cashflow underwriting and artificial intelligence modeling, • Managing several projects simultaneously and driving end-to-end project delivery, • Previous experience building credit strategy for digital acquisition channels, • Visualizing complex data analyses and communicating to a wide variety of audiences, • Developing policy and procedures documentation for credit risk strategy execution, • Developing and automating quality control process to ensure intended execution of credit strategies, • Fair understanding of income and debt relationship in the context of credit underwriting that includes but not limited to design income verification requirements NOTE: iCreditWorks offers a hybrid work environment, with employees working from corporate headquarters on Tuesdays, Wednesday, and Thursdays, and allows remote work on Mondays and Fridays. Company DescriptioniCreditWorks, one of the fastest-growing FinTech platforms in the United States, offers innovative “Point-of-Sale” lending and digital payment technologies, including the first-in-market native mobile App that reinvents B2B/B2B2C lending.iCreditWorks, one of the fastest-growing FinTech platforms in the United States, offers innovative “Point-of-Sale” lending and digital payment technologies, including the first-in-market native mobile App that reinvents B2B/B2B2C lending.

We understand, value, and appreciate the unique perspectives that a diverse workforce can contribute to our organization. Beyond core underwriting responsibilities, the Credit Analyst IV plays a key leadership role by mentoring and training less experienced analysts and contributing to broader depar

The Senior Credit Analyst is responsible for the written analysis and underwriting of the credit worthiness of new loan proposals as well as existing loans, identifying credit policy exceptions and other credit issues in order to identify and protect the asset quality of the Bank's commercial loans.

Essential Qualifications:/pulliBachelor Degree in business or finance or equivalent experience/liliMinimum 3 years financial analysis and/or credit experience/liliProject finance experience/knowledge/liliStrong technical, computational and quantitative skills/liliAbility to make decisions and proact

Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence Provide recommendations tied to analysis and assessment of credit risk Present analysis, findings, and recommendations to managers, espe

Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved.

Professional certification (CFA, CIIA, CMA) or proven experience as a financial analyst in a leading finance institution.

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