Commercial Lending Specialties & Locations:
A Commercial Lender at Columbia Bank is responsible for bringing
in new business relationships and analyzing commercial loans of
varying complexity and dollar size. This position works directly
with teams of lenders and commercial credit analysts to address
loan renewals, modifications and occasionally approve new loans;
recommends loans for approval within established guidelines and
lending policies; maintains portfolio of existing customer
relationships and supports a team of commercial lending officers;
and, assists higher level loan officers with larger loans and
general loan portfolio management tasks.
Interviews loan applicants. Analyzes financial and related data
for credit worthiness and merits of loan requests. Establishes
terms and recommends approval to senior management. Informs
customers of Bank decisions. Maintain a complete and thorough
understanding of Loan Policy, including all loan guidelines and
exceptions. Review, understand and communicate issues within loan
files to the Loan Officers for accuracy and correction of
Responsible for coordinating the underwriting of credits,
including risk rating assessment, covenant compliance testing,
financial statement and collateral analysis. Cross sells Bank
products and services.
Interacts with customers to maintain and enhance business
relationships. Ensures that annual file reviews are completed in a
timely manner. Deals directly with existing customers regarding
line of credit renewals as well as modifications of existing loans.
Provide close contact with clients to establish, deepen, and retain
relationships; reach corporate objectives.
Monitors delinquencies and evaluates problem loans. Negotiates
with customers and offers restructure recommendations for problem
loans or recommends legal collection action. Estimates final
financial impact to the Bank.
Maintains a current knowledge of local and national economic,
financial, political and legislative trends. Determines the
possible impact on commercial lending activities.
Assists in the preparation of monthly, quarterly and annual
reports and the forecasting of loan balances.
Bachelor's degree required. Master's degree desirable.
Minimum of 7 years of Commercial Loan experience. Please note
that we segment our lending and are looking for lenders to focus on
a specialty - C&I, CON/CRE, Middle Market, Healthcare.
Certified by a formal credit program or have participated in a
bank sponsored credit program.
Experience and use of Financial Analysis software preferred.
Excellent customer service skills.
Excellent verbal and written communications skills, including
the skills necessary to deal tactfully and professionally with
customers, employees, senior management, auditors and
Knowledge of and the ability to use current technology
Good organizational skills, a high level of accuracy and strong
attention to detail.
Effective time management and the ability to work independently
in a team environment.
Ability to handle sensitive information with complete
confidentiality and professionalism.
Columbia Bank and its affiliates is an Equal Opportunity
Affirmative Action Employer/Males/Females/Protected
Veterans/Individuals with Disabilities