Commercial Lender II at Columbia Bank – Freehold, New Jersey

• Maintains performing commercial loans. Assists more experienced lending team members with portfolio maintenance requirements for large dollar or more complicated loan transactions. Interacts with customers to maintain and enhance business relationships. Assists in the resolution of loan documentation exceptions.
• Interviews new loan applicants as well as existing borrowing customers. In conjunction with the Credit Department, analyzes financial and related data for credit worthiness and merits of loan requests. Establishes terms and approves loans within lending authority or recommends approval to senior management. Informs customers of Bank decisions.
• Develops new business by contacting potential customers and following up on leads. Cross sells Bank products and services.
• Monitors delinquencies and evaluates problem loans. Analyzes benefits of restructuring versus pursuing legal collection action. Negotiates and reworks loans or implements legal collection action or referral of the loan to the Special Assets Department. Estimates 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 to track loan originations. Monitors commercial loan maturities and loan documentation exceptions.
• Performs other job related duties as may be assigned.

• Bachelor Degree in Finance, Accounting, Economics or Business related field. Master’s degree in finance, business or economics preferred;
• Minimum of 8 years experience in Commercial Lending
• Minimum of 2 years experience as a Commercial Lender;
• Formal credit training required;
• Local business experience specifically Northern NJ with potential market expansion;
• Strong Commercial Real Estate (CRE) and Construction (CON) expertise is required
• Must have the ability to develop and retain CRE & CON loan business;
• Must be able to produce assigned loan volume as set annually;
• Must ensure and maintain asset quality of loan portfolio;
• Excellent decision making and problem solving abilities;
• Thorough knowledge of lending regulations required;
• Excellent written and verbal communication skills with the ability to deal effectively with customers, attorneys, realtors and other financial institutions as well as all levels of Bank personnel;
• History of community involvement through volunteerism and/or representation with charitable organizations;
• Excellent organizational, follow-up and time management skills

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.