Credit Analyst

Established in 1975, Financial Pacific Leasing, Inc. (a subsidiary of Columbia Bank), is a direct provider of small-ticket commercial equipment leases. FinPac originates business through partnering with vendors, third party originators and lessors nationwide. For over 50 years, these partners have relied on Financial Pacific to provide them with innovative financing solutions for their customers.

About the Role:

Responsible for credit, equipment and underwriting decisions within assigned limits and consistent with the policies and programs of Financial Pacific Leasing and the Financial Pacific Credit Department.  Provides assistance and support to Credit team members to ensure that timely, efficient and courteous service is provided to all vendors, lessees and brokers of Financial Pacific.

• Make and communicate decisions and documentation requirements within assigned limits and consistent with FPC Credit policy on lease applications, assignments, and NPA contracts as requested. 

• Make decisions on the quality, future value and eligibility of equipment proposed for lease. 

• Confirm the accurate entry of credit related data into the FPL credit platform. 

• Review and edit all applications to increase accuracy and efficiency, as needed. 

• Make recommendations to management for improvements in department policies, procedures, and reports.  Assist management in developing and implementing improvements. 

• Attend meetings and participate in and complete all departmental and companywide training. 

• Maintain confidentiality of all company and applicant information. 

• Maintain regular and predictable attendance and punctuality.  

• Provide highest level of Customer Service to all lessees, vendors, brokers and fellow associates. 

• Demonstrates compliance with all company 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 company policies and procedures, compliance regulations, and completes all required annual or job-specific training.

• Maintain a working knowledge of the company’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 corporate culture in all actions and words. 

• Takes personal initiative and is a positive example for others to emulate. 

• Embraces the vision to become “Business of Choice” 

• May perform other duties as assigned. 

About You:

• High School graduate or equivalent required.

• Bachelor’s degree in finance, Accounting, or business-related field preferred.

• 5+ years Leasing experience in an equipment finance organization or

• 3+ commercial underwriting experience at a financial institution (non-mortgage)

• Basic analytical and problem-solving skills 

• Basic credit and credit quality skills, including accounting, financial statement spreading and cash flow analysis 

• Excellent organizational, communication, and collaboration abilities across company lines 

• Proficiency with personal computers and related software packages, including MS Word and Excel 

• Ability to work under timelines and meet required deadlines.  

The pay range for this role is $28.00 - $35.00.

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).

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.