CRE AQR Analyst

Columbia Bank • Arizona, Arizona • 9h ago

About the Role:

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.

About You:

Education Experience

4-7 years - of experience in Commercial Real Estate performance analysis and loan structuring or equivalent experience. (Required)

Skills

Advanced analytical and problem solving skills, and 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.

Travel Requirements

Occasional

The pay range for this role is $72,000 to $110,000.

The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.

Primary Location: Ability to work fully onsite at posted location(s).

5885 Meadows Road Suite 400 Lake Oswego OR 97035

Our Benefits:

We are proud to offer a competitive total rewards package including base wages and comprehensive benefits.

We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an 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, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.

Our Commitment to Diversity:

Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: careers@columbiabank.com .

To Staffing and Recruiting Agencies:

Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.

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