Kearny Bank jobs

Responsible for sourcing, analyzing and coordinating the delivery of residential construction financing to qualified borrowers in the Bank's market area. Responsible for growing the residential construction loan portfolio through our existing client base and for prospecting new high quality real estate clients. Own all aspects of their portfolio. Responsible for identifying, originating and delivering financing solutions to those borrowers or owners seeking construction financing Responsibilities Develop sales, marketing, and calling plans to effectively generate new lending opportunities and expand existing client relationships within the target market. Review and evaluate borrower financial capacity and ability to qualify for residential construction loan products. Assess project feasibility prior to acceptance into the residential build-to-permanent loan program. Coordinate with residential underwriting, risk, and credit management teams to ensure all transactions meet internal underwriting and risk guidelines. Manage existing loan portfolios and monitor account financial conditions to maintain acceptable risk levels, including: Preparing timely written loan renewal requests Collecting past-due payments diligently Reviewing and approving the third party vendor findings from site visits Maintaining accurate and up-to-date loan files Provide customers and prospects with financing options and counsel throughout the loan process. Present loan requests for committee review and approval. Manage all phases of the sales life cycle, including lead generation, loan structuring, policy compliance, product knowledge, and financial analysis. Utilize decision-making tools and credit analysis skills to make sound credit and structuring decisions. Qualifications High school diploma or equivalent required; bachelor's degree is strongly preferred. Minimum 5 years of experience in residential construction lending or related field required. MS Office proficiency required. Strong knowledge of residential construction processes and lending regulations. Ability to read, analyze, and interpret financial statements, accounting papers, income tax returns, bank policies, and governmental regulations. Acute attention to detail needed. Excellent written and verbal communication skills. Excellent customer service skills WORKING CONDITIONS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions. Perform routine and typical tasks of an office such as typing, taking notes, reading/reviewing, computer work, filing, copying, answering phones, etc. that may require employee to view, stand, stoop, kneel, or crouch and lift. Position requires frequent travel to client sites, corporate offices, and industry/ community events. The successful candidate will be required to prove on the first day of work that they are legally authorized to work in the U.S. The Bank will not sponsor a candidate for a visa or for work authorization. COMPENSATION: $125,000 to $200,000 annually

Supervise and perform audits across the Bank, including operational, regulatory, and financial activities, with minimal supervision. Assist the Department Leadership in formulating internal audit strategies, developing audit plans, and managing all aspects of audit engagements. Responsibilities Analyze and test internal controls, business processes and systems, operations and financial reports, and compliance with corporate policies and procedures focusing on areas within the organization with advanced complexity. Plan and complete audits effectively ensuring quality work and timely completion. Assist in the creation or improvement of audit test steps based on walkthroughs and best practice documentation. Enforce understanding of corporate culture, policies and procedures; utilize standard business and audit computer software tools (e.g. AuditBoard) for planning, analysis, communication, presentation, and documentation. Communicate internal audit objectives and results with employees at all levels; summarize audit findings and independently prepare comprehensive audit reports. Make recommendations for improvements in controls and procedures; support business process improvement efforts while maintaining independence. Maintain adequate and current knowledge of accounting and auditing standards, information technology, and regulatory compliance to ensure work is performed efficiently and effectively. Qualifications Bachelor's degree in related field or equivalent required. Minimum 2 years of related experience required, experience in financial services preferred. CPA, CIA, CISA, CRCM or other related certification is strongly preferred. In depth knowledge of the entire internal audit function with heavy concentration in a specific high-risk area including lending/underwriting, compliance, risk or information technology (“IT”) and information security (“Infosec”). Advanced level analytical skills. MS Office proficiency required. Excellent written and verbal communication skills. AuditBoard proficiency preferred. Acute attention to detail. Ability to work on complex projects with general direction and minimal guidance. Area of subject matter expertise within a Banking environment a plus. WORKING CONDITIONS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions. Perform routine and typical tasks of an office such as typing, taking notes, reading/reviewing, computer work, filing, copying, answering phones, etc. that may require employee to view, stand, stoop, kneel, or crouch and lift. Position requires flexibility and willingness to occasionally travel to other locations/ branches generally during normal business hours but includes evenings and Saturdays. The successful candidate will be required to prove on the first day of work that they are legally authorized to work in the U.S. The Bank will not sponsor a candidate for a visa or for work authorization. $70,000 to $125,000 annually

Summary: The Sr. Commercial Closing Representative prepares Loan documentation for Commercial Real Estate, Construction, Commercial and Industrial, and Middle Market loans. Coordinates commercial loan closings for all three regions, North, Central, and South Jersey with Borrower, Legal (Borrower and in house) and Title Company. Book and Fund loans to the Bank's Core System DNA. Process funding of loans as well as any costs and fees. Performs post-closing functions. Files required documents, UCC-1 (state and county) as well as Mortgage and Assignment of Leases and Rents with county and state authorities. Enters new loan file documentation into the bank's document imaging system. Process Line of Credit renewals, business loan modifications, and construction conversions. In addition, this role trains and offers guidance to junior closing representatives and contributes to the overall success of the loan department. Job Responsibilities: Closing Documentation Preparation Prepares all documents using the bank's software systems for commercial loans generated from North, Central and South Jersey. Prepares and reviews files to be closed to ensure all conditions of the loan have been met. Works closely with legal representative of the Bank to make all required changes to loan documents. Researches and follows up with customers, their attorney, title company and commercial lenders on any conditions that are not met. Reviews file with loan officers prior to closing Interacts and coordinates with borrower, attorneys for both the Borrower and the Bank and to coordinate the scheduling of closings. Prints or electronically prepares the final document package for closing. Post Closing Inputs supporting loan file documentation into the bank's document imaging system. Prepares closing file for post-closing review Prepares and forwards loan information to other areas of the Bank including HMDA/CRA sheets. System Updates Completes fee summary, for all commercial loans for the Accounting Department. Posts data received from accounting to the bank's core processing system. Assists the Loan Servicing Department with boarding data to be entered into the Bank's core system. Job and Industry Knowledge Maintains a current knowledge of OCC Regulations, local and national economic, financial political and legislative trends. Determines the possible impact on commercial lending activities. Train junior Closing Representatives with regard to preparation of loan documentation and the use of various Bank systems. Other Responsibilities Performs other job-related duties as may be assigned including special projects, data clean-up exercises, documentation reviews, etc. Job Requirements: Bachelor's Degree in Finance, Accounting, Management, or related field. 3-5 years of related Commercial Banking and/or Commercial Credit experience. 2-3 years of Loan Closing experience desired Working knowledge and understanding of commercial loan products. Demonstrated proficiency with computer software including MS Office applications Ability to prioritize and manage multiple assignments with good organizational and time management skills. Strong attention to detail with aptitude for financial reports and accuracy. Strong customer service and communication skills. Ability to work independently, effectively, and efficiently under time constraints. Problem solving skills. Adaptable to change. Working knowledge of nCINO and/or Fiserv DNA desired 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 need. Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.

The Digital Banking Representative serves as a key point of contact for customers engaging with our digital banking platforms. This role is responsible for providing exceptional service, resolving digital banking issues, and educating customers on the use of online and mobile banking tools. The ideal candidate is tech-savvy, customer-focused, and passionate about delivering seamless digital experiences. Responsibilities Provide support to customers using the Bank's online banking, mobile apps, and other digital services. Troubleshoot and resolve issues related to online account access, transactions, and digital tools. Guide clients, both consumer and small business, through digital onboarding and educate them on features and benefits of the Bank's digital banking solutions. Monitor and respond to digital inquiries via chat, email, and secure messaging platforms. Collaborate with internal teams to escalate and resolve complex technical issues. Stay current with digital banking trends, updates, and security protocols. Maintain accurate records of customer interactions and resolutions. Review and process Mobile Deposit including Business Remote Deposits. Qualifications High school diploma or equivalent required. Minimum 6 months of related experience, preferably in financial services. Microsoft Office proficiency required. Knowledge of online and mobile banking products and services is strongly preferred. Excellent written and verbal communication skills. Excellent customer service skills. WORKING CONDITIONS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions. Perform routine and typical tasks of an office such as typing, taking notes, reading/reviewing, computer work, filing, copying, answering phones, etc. that may require employee to view, stand, stoop, kneel, or crouch and lift. The successful candidate will be required to prove on the first day of work that they are legally authorized to work in the U.S. The Bank will not sponsor a candidate for a visa or for work authorization. COMPENSATION: $45,000 to $65,000 annually

The Head of AI Adoption will establish and lead the Bank's AI Adoption Center of Excellence (CoE), driving the responsible, secure, and value-driven integration of Artificial Intelligence (AI), Generative AI (GenAI), and Intelligent Automation across business and technology domains. This role will be responsible for defining the AI adoption strategy, identifying high-impact use cases, ensuring regulatory and ethical compliance, developing organizational capabilities, and promoting a culture of innovation and continuous learning. The leader will collaborate with business lines, risk, technology, and data teams to transform how the Bank operates, serves customers, and enhances decision-making through AI-enabled insights and automation. Job Responsibilities: Strategic Leadership Establish the AI Adoption Center of Excellence (CoE) as the enterprise hub for AI strategy, governance, and enablement. Develop and execute the AI adoption roadmap aligned with the Bank's strategic objectives, risk appetite, and regulatory obligations. Prioritize and sequence AI initiatives to maximize enterprise value, alignment, and adoption. Partner with executives across business, risk, compliance, data, and IT to prioritize and scale AI use cases that deliver measurable value. Advocate for responsible AI adoption that emphasizes transparency, explainability, fairness, and data ethics. Governance, Risk, and Policy Collaborate with the CISO, Chief Data Officer, Legal, and Compliance functions to ensure AI initiatives adhere to enterprise data, cybersecurity, and model risk standards. Oversee the AI Governance Framework, including risk assessment, vendor review, model validation, and ongoing performance monitoring. Maintain alignment with evolving regulatory expectations (e.g., OCC, FDIC, CFPB) on AI and model risk management. Define AI usage policies covering acceptable use, accountability, privacy, intellectual property, and transparency. Use Case Identification and Delivery Lead an AI Use Case Portfolio, coordinating with business leaders to identify and assess opportunities in customer engagement, operations, compliance, and risk management. Oversee proof-of-concept (POC) and pilot implementations with measurable success criteria, driving from “crawl” to “walk” to “run” maturity. Build partnerships with vendors, FinTechs, and technology providers (e.g., nCino, Microsoft, Salesforce, Automation Anywhere, OpenAI, Five9, Verint) to accelerate responsible adoption. Capability Development Develop training, education, and change management programs to upskill employees and foster AI literacy across the Bank. Promote experimentation and continuous learning through internal innovation challenges, labs, and hackathons. Measurement and Value Realization Define and monitor KPIs for AI adoption, including business impact, productivity gains, risk reduction, and customer experience improvement. Deliver regular updates to executive leadership, Board committees, and regulators on AI initiatives, outcomes, and risk posture. Ensure AI capabilities are scalable, reliable, and embedded effectively into operational processes. Job Requirements: Education & Experience Bachelor's degree in computer science, Data Science, Engineering, or related field. 10+ years of experience in technology strategy, data analytics, or intelligent automation, with at least 2 years leading enterprise-level AI or digital transformation initiatives. Skills & Competencies Proven leadership in developing and executing AI/automation strategies at scale. Deep understanding of AI/ML technologies, Generative AI platforms, and automation tools (e.g., Microsoft CoPilot, RPA platforms, NLP, LLMs). Strong grasp of data governance, cybersecurity, model risk management, and regulatory compliance frameworks. Excellent communication and executive presentation skills-able to translate complex AI concepts into business outcomes. Strategic thinker with hands-on delivery mindset and cross-functional influence. Preferred Experience in financial services or a regulated industry is strongly preferred. 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 need. Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.

Responsible for first mortgage pipeline management and reporting. Responsibilities Interact with the Bank's pricing engine to maintain effective flow of information. Effectively manage the Bank's first mortgage pipeline through detailed reporting / monitoring. Process all new loan locks received from the mortgage sales team. Secure new locks timely and report information accurately. Monitor market movement and provide timely information to department management and sales team. Work closely with residential staff including processing, underwriting and closing to provide timely updates on changes. Secure Best-Effort lock commitments based on the Bank's margins. Provide accurate log entries Communicate with lending partners to gain extensions, changes or relocks. Monitor market movements and assist in pipeline hedging strategies Ensure adherence to lock policies and investor guidelines to maintain profitability. Communicate investor pricing policies and guidelines to internal teams. Qualifications High school diploma or equivalent required. Minimum 2 years of related experience required. MS Office proficiency (Excel) required. Encompass and Optimal Blue PPE proficiency strongly preferred. Basic understanding of mortgage banking / loan pricing. Knowledge of secondary market guidelines including government-sponsored enterprise (“GSE”)/ Federal Housing Administration (“FHA”). Experience working with third party lenders and pricing services. Excellent written and verbal communication skills. Excellent customer service skills. Acute attention to detail. WORKING CONDITIONS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions. Perform routine and typical tasks of an office such as typing, taking notes, reading/reviewing, computer work, filing, copying, answering phones, etc. that may require employee to view, stand, stoop, kneel, or crouch and lift. The successful candidate will be required to prove on the first day of work that they are legally authorized to work in the U.S. The Bank will not sponsor a candidate for a visa or for work authorization. Compensation - $65,000 to $90,000

Columbia Bank's summer internship program is a cultivating experience that challenges you to be the best version of yourself. Through our 10 weeks' experience you are tasked with meaningful work to establish a strong foundation to kick start your career. The internship program was developed to challenge our interns in joining Columbia Bank's competitive early career program, our Associate Development Program. Who Are We: Our commitment to serving the community and our customers started nearly 100 years ago with the founding of a single branch in Fair Lawn, New Jersey. With a branch network spanning the state of New Jersey and a diverse team of banking professionals, we deliver top-of-the-level products and complimentary digital banking tools. As a true community bank, we play an integral part in every community we serve. Columbia Bank is committed to making diversity, equity, and inclusion part of everything we do, every day. We're creating a workforce representative of the communities we serve, with a sense of belonging for everyone. Job Description: Gain experience in the Bank's operations by working closely with assigned divisions on short and long-term assignments. Work with cross-functional teams to improve processes and the customer experience. Contribute to day-to-day business, and the research and execution of special projects. Collaborate with the Summer Intern cohort to prepare and present a Capstone project at the end of the program. Attend and participate in a variety of engaging Internship Program workshops, panels, and events. Interact and develop effective working relationships with colleagues at all levels of the Bank. Build effective working relationships with colleagues from across the Bank. Project a positive and professional image of the Bank in all internal and external relationships consistent with Columbia's ethical standards, Creed of Shared Values, Service Guidelines, and the Bank's commitment to the community. Meet with the Program Manager on a regular basis to monitor progress, provide valuable feedback, and communicate individual successes, opportunities, and achievements. Job Requirements: Students with college expected graduation year of 2027; Anticipated degree in relations to business; Minimum 3.0 cumulative GPA; Strong interest in the banking and finance industry; Excellent written and verbal communication skills with the ability to deal effectively with all levels of Bank personnel; Excellent organizational, follow-up and time management skills; Professional demeanor; Proficient in Microsoft Office - Word, Excel, and PowerPoint. Desired Skills: Independent and highly motivated self-starter; Results oriented with proven track record to accomplish objectives; Dedicated, enthusiastic, and driven; possesses a strong work ethic; Innovative and forward-thinking; A collaborator and team player, translating knowledge and experience into strong and productive relationships; Ability to deliver seamless experience to internal and external customers. Columbia Bank offers the following benefits: Paid Internship Paid Sick Time Bank Holidays Schedule: This is a full-time employment role working Monday to Friday from 8:30am to 5pm. June 1, 2026, to August 14, 2026. Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.

Responsible for evaluating and approving condominium projects for the Residential Mortgage Department in accordance with federal agency guidelines (e.g., Fannie Mae, Freddie Mac and Federal Housing Administration (“FHA”)). Ensure condominium projects meet eligibility criteria for mortgage financing and mitigate risk by identifying potential issues related to project documentation, financial stability, insurance coverage and legal compliance. Responsibilities Review and analyze condominium project documentation including budgets, insurance certificates, legal documents (e.g., declarations, bylaws), and meeting minutes. Determine project eligibility based on federal agency-specific guidelines and applicable secondary market overlays. Communicate with lenders, project managers and internal stakeholders to obtain missing or clarifying documentation. Maintain accurate records of project reviews and decisions in the loan origination system. Collaborate with Operations staff to ensure consistent application of agency standards. Stay current with changes in federal agency guidelines and industry best practices. Provide training and support to underwriting staff on condominium review procedures. Identify and escalate complex or high-risk projects to senior staff or management. Qualifications HS diploma or equivalent required. Minimum 3 - 5 years of experience in either mortgage underwriting, project view or related field. Agency-specific condo review training or certification preferred. Experience with agency condominium review processes (Fannie Mae, Freddie Mac, FHA, Veterans Affairs (“VA”) strongly preferred. Proficiency in loan origination systems (“LOS”) and document management platforms strongly preferred. MS Office proficiency required. Familiarity with agency portals and condo review tools. Excellent written and verbal communication skills. WORKING CONDITIONS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions. COMPENSATION: $65,000 to $85,000

The Fraud Investigator will be responsible for preventing, detecting, investigating, and reporting fraudulent activities within the bank. This role requires a strong understanding of financial services, investigative techniques, and regulatory compliance to protect the bank and its customers from financial loss. The Fraud Investigator should be detail-oriented, analytical, and have strong familiarity with physical security controls such as video surveillance, card access, and burglar alarms. Job Responsibilities: Investigations and Fraud Prevention Conduct thorough investigations of suspected fraudulent activities, including analyzing transaction patterns, reviewing account histories, and interviewing relevant parties. Work closely with law enforcement and regulatory agencies to support investigations and prosecutions. Perform site surveys, risk assessments, and recommend security enhancements. Provide training and support to bank staff on fraud prevention measures and detection techniques. Stay current on industry trends, regulatory requirements, and emerging fraud patterns to enhance investigative strategies. Assist in the development and implementation of fraud detection systems and policies to strengthen internal controls. Collaborate with internal departments including retail, lending, compliance, risk management, and legal to ensure a comprehensive approach to fraud prevention and detection. Monitor and analyze alerts generated by fraud detection systems to identify potential fraud trends and patterns. Response and Recovery Respond to robberies, burglaries, and acts of vandalism as required. Assist with recovering funds directly through the bank or through law enforcement and the court. Perform General Ledger accounting entries as they relate to losses and recoveries. Reporting Prepare detailed reports documenting findings, evidence, and recommendations for further action. Prepare and file accurate and timely Suspicious Activity Reports. Other Responsibilities Perform other job-related duties as may be assigned. Job Requirements Bachelor's degree in Criminal Justice, Finance, Business Administration, or a related field. Three to five years of experience in fraud investigations or related field, preferably within the banking, online banking, and /or financial services industry. Strong analytical skills with the ability to interpret complex data and identify anomalies. Excellent verbal and written communication skills, with the ability to present findings clearly and concisely Proficient in using investigative tools and software, as well as Microsoft Office Suite. Knowledge of relevant laws and regulations related to fraud and financial crimes. Strong attention to detail with the ability to work independently and as part of a team. Certification as a Certified Fraud Examiner (CFE) or similar credential is highly desirable Former law enforcement experience a plus. 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: Hybrid; 3 days in the office and 2 days work from home based on business need. Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.

Summary: The Third-Party Vendor Manager is responsible for the daily oversight of vendors delivering services and technology solutions to the Bank. This role also manages the administration and optimization of the Bank's vendor management software platform, ensuring effective vendor performance monitoring, compliance, and risk mitigation. Job Responsibilities: Vendor Risk Assessment & Oversight Lead the risk assessment process for new vendor engagements, ensuring thorough documentation of all discrepancies, deficiencies, and identified risks. Oversee the validation and classification of vendor questionnaires submitted by internal business units. Manage periodic reviews of active vendors in alignment with tier-based monitoring protocols. Support advanced cybersecurity reviews (including Zero Day Assessments) in partnership with the ETRM team. Coordinate regulatory Technology Service Provider (TSP) exam requests under FFIEC guidelines. Cross-Functional Collaboration Partner with senior leadership including the Lines of Business, Compliance, and other departments to escalate and resolve due diligence issues. Distribute vendor risk assessments and findings to internal stakeholders, promoting transparency and informed decision-making. Governance & Committee Engagement Prepare and present reports during Vendor Management Committee meetings to support strategic oversight. Develop committee meeting agendas and materials in collaboration with executive stakeholders. Ensure compliance with the Bank's Vendor Management and Contract Management Policy across all business units. Risk Reporting & Analysis Develop monthly and quarterly risk reports for Senior Management, the Vendor Management Committee, and the Board Risk Committee. Maintain reporting accuracy and relevance by aligning with current vendor risk profiles and compliance metrics. Team Leadership & Development Manage third-party risk analysts, ensuring effective task delegation, performance feedback, and continuous growth. Foster a culture of operational excellence and regulatory awareness through targeted training and mentorship. Audit & Regulatory Support Serve as lead liaison for internal audits and regulatory examinations involving third-party risk. Oversee the timely and accurate submission of all required documentation. Technology & System Administration Administer the Bank's vendor management platform, including user support, vendor onboarding/termination, and access control reviews. Ensure system integrity through routine updates and policy-aligned configurations. Job Requirements: Bachelor's degree in a business-related field such as Finance, Accounting, Risk Management, or Information Systems. Minimum of 5 years of experience in third-party risk and operational risk management, preferably within the financial services sector. Strong working knowledge of the third-party risk management lifecycle, including due diligence, onboarding, and ongoing monitoring. Proven expertise in third-party risk assessment methodologies and technologies, including familiarity with current cybersecurity and vendor oversight solutions. Exceptional critical thinking and decision-making abilities, with a focus on proactive problem solving. Demonstrated leadership skills, with experience supervising teams or leading complex projects. High level of accuracy and attention to detail, with consistent adherence to tight deadlines. Advanced proficiency in Microsoft Office Suite, including Excel, Word, and PowerPoint. Excellent communication skills: verbal, written, and interpersonal-with the ability to engage stakeholders across all levels of the organization. Capacity to manage multiple concurrent projects in a fast-paced environment, maintaining structure and accountability. Ability to work independently, exercise sound judgment, and contribute to strategic goals with minimal supervision. 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 need. Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.

Manages and staffs the Universal Banker I's and performs audit functions. Manages the Teller Line to the expected Sales and Service Standards, providing coaching as needed and tracking of the referral goals. Participates in the branch opening and closing procedures and is responsible for branch operations in the absence of the Retail Relationship Manager and Retail Client Experience Manager. Performs function of the Universal Banker I's on a regular basis, as staffing and client traffic require. Responsible for providing exceptional service to all existing and potential clients. Will manage the full client experience efficiently, identifying sales opportunities, making referrals and handling service transactions. Responsibilities The following reflects management's definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or other reasons. Develop, expand and manage consumer and business account relationships, concentrating efforts in meeting client needs for financial products. Actively participate in ongoing training and regular sales meetings. Willing to be cross-trained to perform duties necessary to assist clients when management is not present. Process a variety of routine and complex transactions such as account opening and closing, processing deposits, withdrawals, loan payments and transfers. Assist with the daily operations of the branch including reporting, audits, ATMs, coin machines and the main cash vault. Prepare cash for shipments and ordering cash/coin for the branch as needed. Demonstrate knowledge of policies and procedures and the ability to apply this knowledge in real situations. Identify clients with additional profit potential and develop action plans to expand these relationships. Refer business to all partners. Support the implementation of the Kearny Bank Client Experience. Deliver strategic insights to improve the client experience. Lead, motivate, reward and develop the branch team. Develop and manage the process to resolve client criticisms and concerns in a courteous, positive and timely manner. Simplifies and strengthens client experiences and builds client trust by listening to feedback, understanding reasons of dissatisfaction and identifying opportunities to improve. Coach the sales process and each team member. Hold team accountable for sales objectives Proficient in delivering and coaching the flawless delivery of our service protocols and the sales process (The Client Experience) to all Team Members, including new employees. Serves as a role model for branch team, provides guidance on appearance and dress, as needed. Conduct daily observations of team and provide mentoring and training to improve staff development and overall branch results. Serve as a liaison between the branch and various departments to ensure full communication and understanding of all company policies and procedures. Conducts individual coaching sessions with each team member on a quarterly basis with a strong emphasis on achievement of production goals and service standards. In the performance of respective duties, must maintain knowledge of and ensure compliance with Bank Secrecy Act regulations and all other regulatory, security and bank policies. Perform other duties as may be assigned. Qualifications Associate's degree or comparable professional training is required. Minimum 2 to 4 years Retail Banking experience. Ability to meet/exceed client experience needs, identify client/project needs. Knowledge of bank's products, services, sweep accounts, concept & Techniques and cash management services. Ability to model Relationship Building Techniques and effectively cross-sell. Ability to resolve client questions and/or complaints. Ability to manage staff and resolve conflict. Strong team player. Ability to foster open communication, deliver presentations, demonstrate listening, speaking and written communication skills. Ability to answer questions effectively, build client relationships and build internal and external networks. Ability to act with integrity, demonstrate adaptability, work commitment and maintain a positive performance in all situations. Working knowledge of Microsoft Excel, Word, Access and Outlook. Ability to interact effectively and tactfully with all levels of the Bank. Ability to read, write and speak clearly. Assist Business Relationship Officers and Loan Officers with business calls to existing and potential clients, as needed. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands and fingers, handle or feel objects, use tools or controls, reach with hands and arms, talk and/or hear. The employee frequently is required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, peripheral vision, color vision, depth perception, and the ability to adjust focus. SUPERVISORY RESPONSIBILITY Guides work of others who perform essentially the same work. May organize, set priorities, schedule and review work, but has no responsibility to hire, terminate, review performance or make pay decisions COMPENSATION $21.63-$31.25/hr

The VP, Financial Advisor (FA) will provide sound financial advice to clients by evaluating their financial condition, needs and future goals. Must keep abreast of procedures, regulations, and market changes. The FA should also maintain a current knowledge of products and services offered and partner with the retail branches, as well as other Kearny Bank Departments. The FA must meet sales goals as established by management. Maintains highest level of sales ability, negotiation skills and knowledge of investment planning and other bank products and services; maintains extensive network of referral sources for new business. Ensures that work follows applicable laws, regulations, and guidelines, as detailed in policies located on the intranet; policies include but are not limited to Fair Lending, Know Your Customer, Bank Secrecy Act and other applicable anti-money-laundering policies. Responsibilities Takes active role in sales activities, including platform sales staff in assigned branches, assisting team members as needed. Coordinate's maintenance of various OSJ and other compliance files, including advertising, complaint, client files and correspondence; coordinates and responds to regulatory audits as necessary. Assists in providing compliance and sales training to staff and to non-licensed branch employees. Understands regulatory limitations for non-licensed employees. Maintains network of outside and internal referral sources, including individuals and organizations likely to produce investment referrals such as attorneys, accountants, real estate brokers and other business professionals; ensures that strong business relationships are maintained with these referral sources and that they have current information on investment planning products and services. Ensures regular and timely communication of important client, product, regulatory and other information among the sales team, area and regional sales management, branch staff, broker dealer and other internal and external contacts; ensures that communication channels are established and maintained so that important information is exchanged as needed. Maintains comprehensive knowledge of investment planning and other bank products and services; maintains knowledge of full array of possible client needs and investment planning solutions to those needs; maintains highest level of sales, negotiation and closing skills; maintains general overall knowledge of investment industry, practices and trends, including maintaining in-depth knowledge of investment laws and regulations. Ensures that sales staff is informed of latest information. Participates in special projects and performs additional duties as required. Participates in activities to promote growth and development of the community and a positive image for the bank. Provide current and prospective clients financial advice, planning support and access to financial products and services available through our broker dealer relationship. Develop sales leads through effective prospecting and interaction with branch partners within a defined territory. Identify cross selling opportunities with internal partners and cross refer to all areas of the bank. Provide ongoing coaching and developments to all team members in the respective territory covered. Ensure team has a thorough understanding of product, sales techniques and systems required to offer investment products and support to our clients. Educate branch retail staff on the bank's Investment Program and mentor interested employees. Identify cross selling opportunities with internal partners and cross refer to all areas of the bank. The FA must meet sales goals established by management. The FA is expected to make outbound calls, work their books of business and attend networking events. The FA is also expected to profile existing clients and re-evaluate their short term and long-term investment needs. Offer subject matter expertise to retail branch team on sales techniques, product availability and opportunities for new and existing clients. Meet regularly with the Retail Relationship Managers within territory and make cross referral back to the branches covered. Ensure appropriate FA coverage of branches and maintain standard hours as dictated in each branch that is covered. Ensure all cross referrals and all received referrals are followed up on a regular basis Develops plan to achieve sales goals, using in-depth knowledge of what is required to meet goals, in terms of specific actions and steps needed as well as planning and managing time effectively. Informs management of progress relative to goals and asks for assistance for training and for other issues as needed. Provides referral and product training to non-licensed Company employees as needed. Qualifications Minimum 5 years' experience in banking or a financial institution required Licensing Requirements: FINRA Series 7, 63 and 66 or 65, State Insurance License Ability to meet/exceed client experience needs, identify client/project needs Knowledge of bank's products, services, sweep accounts, concept & Techniques and cash management services Ability to model Relationship Building Techniques and effectively cross-sell Ability to resolve client questions and/or complaints Ability to resolve conflict Ability to foster open communication, deliver presentations, demonstrate listening, speaking and written communication skills Ability to answer questions effectively, build client relationships and build internal and external networks Ability to act with integrity, demonstrate adaptability, work commitment and maintain a positive performance in all situations Proven sales ability, with strong track record of past investment sales success In-depth knowledge of retail investment industry This position requires a willingness to travel to other locations, as well as adapt to various schedule changes that include some evenings and weekends. Must be a self-starter, goal orientated, work independently, but also a team player. Excellent communicator and relationship builder. Working knowledge of Microsoft Excel, Word, Access and Outlook Ability to interact effectively and tactfully with all levels of the bank Ability to read, write and speak clearly COMPENSATION: $45,000 to $88,000 plus a competative commissions program

Summary: Supervises teller operations including responsibility for teller portion of Universal Banker training. Oversees daily consolidations of teller proof sheets and maintains security for teller area, negotiable items and opening and closing of vault and contents. Assists in reaching all goals set for the branch. Job Responsibilities: Supervises teller operations including direct responsibility of teller portion of Universal Banking training. Schedules hours and work assignments for all teller personnel. Participates in performance appraisals; Ensures daily consolidation of teller sheets including all categories listed on office consolidation. Researches and resolves any problems pertaining to teller area; Maintains the security of the teller area, negotiable items and the opening and closing of the vault and contents. Assists in the overall security of the branch; Approves transactions on selected deposit accounts, including verification of signatures and endorsements on all withdrawals exceeding teller limits; Processes return items and items sent and received for collection. Handles uncollected and overdrafts for branch if assigned and within approved limits. Researches item and account. Determines action to be taken; Performs all teller activities outlined for the Universal Banker position as required. Assists in new accounts area when necessary; Handles adjustments to accounts and certificates. Processes business account transactions and night drops when applicable; Performs other job related duties as assigned. Qualifications: 2-4 years of teller, platform and supervisory experience; High school diploma, general education degree (GED) or higher; Strong knowledge of banking products; Sound judgment in decision making and problem solving; Precise figure aptitude and strong attention to detail; Strong interpersonal, time management and organizational skills; Excellent verbal and written communication skills required; Strong PC skills and demonstrated knowledge of MS Office (Outlook, Word, Excel); Ability to ask questions to learn about customer's financial needs and, when the customer sees the value, introducing them to other bank team members; Ability to work with manager to increase customer advocacy effectiveness through feedback and coaching; Ability to supervise/ lead Teller line and coach and mentor as needed; Ability to stand for extended periods of time; Ability to work weekends as needed or scheduled; Ability to lift up to 20 lbs. Bilingual in Portuguese and/or Spanish a must. Desired Skills: Independent and highly motivated self-starter; Results oriented with proven track record to motivate self and others to accomplish objectives; Dedicated, enthusiastic, and driven; possesses a strong work ethic; A collaborator and team player, translating knowledge and experience into strong and productive relationships; Ability to deliver a seamless experience to the customer. Orientation, Onboarding & Training: We provide you the training to help you excel in your position. In order to maximize on your experience we have a robust Onboarding & Orientation Process. Universal Banker positions require either part-time or full-time training for 10 business days. Training schedules are based on availability. 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: Monday to Friday: 8:30am until closing, working 40 hours, must be able to work alternating Saturdays: 8:30am until closing based on business needs. Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.

Originates first mortgage loans, promotes the financial institution and lending services to the real estate community and helps identify and serve the community's financial needs through home loan counseling, real estate agent seminars and sales meeting, and by participating in and promoting the institutions community actives. Responsibilities Solicits first mortgage loans by going out to clients. Informs prospective loan clients of the institutions underwriting guidelines and applicable government regulations Assists loan applicant in completing application and necessary disclosures. Completes loan application and pre-processing functions in a timely manner - prepares for review initial disclosure including loan estimates. Enters data from new loan applications and other documents into computer system. Orders credit reports and other items as needed. Answers incoming calls and schedules appointments. Provides follow-up on a consistent basis with borrowers, and agents to complete processing. Communicates complex approvals or denials to the borrower-agents including real estate agents / builders. Responds to inquiries from borrowers regarding status of loans in process. Completes necessary information such as log entries and business sourcing. Distributes Bank approved marketing materials and general information. Actively participates in local business development activities as directed by the Bank. In the performance of respective duties, must maintain knowledge of and ensure compliance with the Bank Secrecy Act and all other regulatory, security and bank policies. Qualifications HS Diploma or equivalent required. Two to four years related mortgage or similar sales experience or equivalent required. Thorough working knowledge of real estate documentation, policies, compliance, and procedures. High level of proficiency with mortgage loan processing and underwriting systems. Commitment to excellence and high standards. Excellent written and oral communication skills. Strong organizational, problem-solving, and analytical skills. Ability to manage priorities and workflow. Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm. Acute attention to detail. PC proficiency. Excellent customer service skills. Proven ability to handle multiple projects and meet deadlines. Strong interpersonal skills. Good judgement with the ability to make timely and sound decisions. Demonstrated ability to calculate figures and amounts such as discounts, interest, commissions, and percentages. Ability to effectively present information and respond to questions. Ability to effectively communicate with people at all levels and from various backgrounds. WORKING CONDITIONS: This position is a remote role that requires traveling out to clients. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands and fingers, handle or feel objects, use tools or controls, reach with hands and arms, talk and/or hear. The employee frequently is required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, peripheral vision, color vision, depth perception, and the ability to adjust focus. COMPENSATION: $35,000 per year, plus commissions and car allowance.

Responsible for leading a team of sales and service professionals to meet and exceed all sales goals and client experience targets. Manages all aspects of sales development, operations and client experience activities within the branch. Provide coaching, training and development to all branch team members, ensuring complete commitment to the Bank's Core Values and overall business objectives. Delivering financial service products to current and potential clients while meeting established sales and deposit goals and objectives as well as ensuring regulatory compliance within the assigned branch. Maintain a strong focus on growing current client relationships, external business development and community involvement to achieve maximum branch growth, profitability and superior name recognition for the Bank. Responsibilities The following reflects management's definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or other reasons. Contributes to the continuous growth of the branch by actively identifying and pursuing new business development opportunities and ensuring continued client experience and retention of all existing relationships. Work closely with all business partners to ensure complete client relationship building and achievement of all production goals and objectives. Maintain a strong presence within the local community through active involvement and leadership roles in various professional organizations and community events. Focus on proactive and innovative branch initiatives to promote branch growth, client retention and achievement of all annual production goals and key objectives. Provide strong leadership through effective communications, coaching and leading by example. Conduct weekly sales meetings a daily observations of the client experience, ensuring that the clients are receiving superior client service and needs based relationship building techniques are being applied through effective profiling. Manages performance standards; develops staff to build a cohesive and effective team. Conducts individual coaching sessions with each branch team member. Manages the relationship building and client experience process, follow up activities and referral lead generation through active use of EnAct, the Bank's CRM System. Understand and embrace the corporate vision. A leader in the development, expansion and management of consumer and business account relationships within a branch, concentrating efforts in meeting client's financial needs. Identify clients with additional profit potential and develop action plans to expand these relationships. Ensure the products and services recommended to clients are an appropriate fit for them. Build the Relationship as appropriate. Have a basic understanding of Cash Management Products and Services. Measure service levels against client experiences and expectations. Assist Business Relationship Officers and Loan Officers with business calls to existing and potential clients, as needed. In the performance of respective duties, must maintain knowledge of and ensure compliance with Bank Secrecy Act regulations and all other regulatory, security and bank policies. Perform other duties as may be assigned. Qualifications A Bachelor's degree or comparable professional training is required. Minimum 5 years' experience in banking or a financial institution required of which at least 3 years has been in a supervisory position. Ability to meet/exceed client experience needs, identify client/project needs. Knowledge of bank's products, services, sweep accounts, concept & Techniques and cash management services. Ability to model Relationship Building Techniques and effectively cross-sell. Ability to resolve client questions and/or complaints. Ability to manage staff and resolve conflict. Ability to foster open communication, deliver presentations, demonstrate listening, speaking and written communication skills. Ability to answer questions effectively, build client relationships and build internal and external networks. Ability to act with integrity, demonstrate adaptability, work commitment and maintain a positive performance in all situations. Working knowledge of Microsoft Excel, Word, Access and Outlook. Ability to interact effectively and tactfully with all levels of the Bank. Ability to read, write and speak clearly. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands and fingers, handle or feel objects, use tools or controls, reach with hands and arms, talk and/or hear. The employee frequently is required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, peripheral vision, color vision, depth perception, and the ability to adjust focus. SUPERVISORY RESPONSIBILITY: Directs work of others, including planning, assigning, scheduling and reviewing work, ensuring quality standards. Is responsible for hiring, terminating, training and developing, reviewing performance and administering corrective action for staff. Plans organizational structure and job content. COMPENSATION: $75-110k

Summary: The Commercial Compliance Analyst is responsible for ensuring that the Commercial Lending and Commercial Credit Departments comply with all pertinent laws and regulations, including but not limited to, the Home Mortgage Disclosure Act (HMDA), Community Reinvestment Act (CRA), and Regulation B: Equal Credit Opportunity Act (ECOA). As a first line of defense, the Commercial Compliance Analyst is responsible for HMDA and CRA data collection and integrity as well as the monitoring and testing of compliance with commercial lending regulations. Keeps up to date with subject regulations and adheres to all bank policies, procedures, and regulatory requirements. Job Responsibilities: Regulation B Compliance Monitors underwriting processing timelines through the development and review of weekly Regulation B reports Identifies loan transactions that are reaching the maximum allowable time for underwriting and communicates with the respective personnel in commercial credit and lending to ensure compliance with processing time requirements. Ensures adverse action letters are issued as required by Regulation B for declined, withdrawn, and incomplete loans, as well as counteroffer letters. CRA and HMDA Data Collection and Integrity Reviews loan information outlined in commercial credit approval memos and corresponding worksheets to ensure that the loans are reportable under the Home Mortgage Disclosure Act and Community Reinvestment Act. Confirms that all data in the corresponding worksheets is accurate. Responsible for the collection, input and accuracy of HMDA and CRA data into the Bank's monitoring software. Works closely with the Community Development and Compliance Departments to ensure all data is provided timely and is accurate. Commercial Compliance Monitoring and Testing Develops and implements first line of defense transaction testing to self-identify potential issues Performs transaction testing on a sample of loans to ensure compliance with regulatory requirements and internal procedures. Tracks exceptions through the development and issuance of issue management reports to management. Leverages findings to identify opportunities for procedural improvements. Reporting Develops reports to summarize monthly transaction testing results to management. Makes recommendations to enhance departmental procedures. Tracks exceptions through the development and issuance of issue management reports to management. Creates additional commercial compliance related reporting as needed. Policies, Procedures and Documentation Develops and maintains policies and procedures related to first line commercial compliance monitoring and testing. Works with the Commercial Lending, Credit and Closing Departments to enhance departmental policies, procedures and documentation to meet regulatory expectations. Regulatory/Compliance Knowledge Remains current on regulations impacting commercial lending related activities Monitors regulatory changes and ensures that related policies, procedures and documentation is updated accordingly. Other Performs other job-related duties as assigned. Job Requirements: Bachelor's Degree; Three or more years of regulatory compliance related experience as it pertains to residential, consumer and/or commercial lending; Strong attention to detail, accuracy, and adherence to deadlines; Ability to adopt and leverage new technology; Excellent verbal, written and interpersonal communication skills; Strong analytical skills; Proficiency in Microsoft Excel; Must have knowledge of all regulations that apply to Commercial Lending, including, but not limited to: Regulation C - HMDA Regulation BB - CRA Small Business Community Development Regulation H - Flood Regulation B - ECOA Adverse Action 30-day rule Regulation V - FCRA & Identity Theft Red Flags Servicemembers Civil Relief Act Bank Secrecy Act 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 need. Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.

Summary: Oversees the commercial lending operations within one of the Bank's regions. Supervises commercial lenders and staff. Coordinates the commercial lending activities and business development for the region. Calls on commercial accounts to promote existing relationships and to develop new ones. Reviews commercial loans for adherence to Bank guidelines. Approves loans within lending authority. Job Responsibilities: Operational Oversight Oversees the commercial lending operations within a region of the Bank. Ensures all commercial lending activities in the region adhere to established guidelines and are in direct coordination with the Bank's policies. Resolves any unusual problems that may occur. Reviews all commercial loans within the region to ensure conformity and adherence to Bank guidelines. Approves loans within lending authority or recommends actions to be taken, approval or declination, to the SVP, Commercial Lending. Leadership and Team Development Supervises commercial lenders and staff. Ensures all work is completed accurately and according to schedule. Assists commercial lenders with complex accounts and provides guidance to less experienced lenders. Assists less experienced lenders and credit analysts with development and analysis of financial data for new and renewed loans. Exercises the usual authority of a manager including, performance evaluation, training, scheduling, salary recommendations and discipline. Demonstrates a commitment and responsibility to Affirmative Action planning and Equal Employment Opportunity. Business Development Coordinates the business development activities of the regional commercial loan area. Calls on commercial accounts to promote existing relationships and to develop new ones. Cross sells Bank's products and services. Maintains an involvement with regional civic organizations to further promote the Bank. Provides business development guidance to commercial lenders within the region. Portfolio Management Works with the largest commercial accounts within the region. Interviews applicants to develop information concerning their businesses, needs, abilities, and earnings to determine risk of potential loan. Maintains own assigned Commercial Loan Portfolio and corresponding loan, deposit, and fee production goals; including but not limited to: Portfolio Growth (Loans and Deposits); Asset Quality maintenance; Financial Exceptions, etc. Compliance Maintains a current knowledge of all laws and regulations concerning commercial lending and the bank's policies and guidelines. Implements any changes. Other Responsibilities Performs other job-related duties as assigned. Job Requirements: Bachelor's degree required. Master's degree or formal credit underwriting training and/or certifications desirable. 10 years+ of Commercial Lending Experience, with at least 7 years of experience across all asset classes (e.g. C&I, Middle Market, Construction, and CRE). 5-7 years management experience of a Commercial Lending Team Knowledge of systems and software (e.g. Salesforce, NCino, Nautilus, etc.); PC skills required (Word, Excel, PowerPoint). 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 regulators. 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. Strong knowledge of commercial lending products, credit policy, loan documentation and administration requirements, and legal and regulatory guidelines. Strong knowledge of commercial rate changes, billing processes, reading transaction histories, explaining late fees, and interpreting the technical details of the loan system for Customers and Relationship Team. Commitment to civic engagement including personal involvement with not-for-profit organizations inclusive of Officer and/or Board of Trustee positions, and supportive of overall Columbian Bank Foundation charitable activities. Applicants in Southern NJ: Extensive COI Network in the Southern New Jersey Market. Active in Southern New Jersey Community, including serving in board seats of community-based organizations, such as hospitals, not for profits, Chamber of Commerce, etc. 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 need. Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.

Summary Conducts complex credit investigations and analyzes credit information pertaining to commercial loans in order to evaluate the credit worthiness of commercial clients. Prepares credit memorandum and packages for presentation to loan officers or committees. Provides guidance to credit analyst and assistance to loan officers as needed. Completes annual credit file reviews on existing loans in pipeline and assigns a risk rating. Participates in special projects and provides assistance to loan officers as requested. Job Responsibilities: Credit Analysis and Development * Develops and analyzes credit information for use by lending officers or committees in the making of lending decisions on new, renewal, or extension loans. * Reviews all pertinent credit and financial information. * Analyzes financial statements and related material. * Prepares credit memorandum and determines credit-worthiness. * Investigates all available sources of credit and financial information and reviews agency reports. * Using a financial statement spreading program, prepares stand alone and global debt service calculations to determine the ability of the borrower and guarantors to pay the loan. * Verifies that all financial covenants and conditions have been met. * Ensures that Loan meets all policy and regulatory guidelines and policies. Annual File Reviews * Performs annual file reviews. * Studies cash flow trends, performs stress testing and industry analysis to assess if there are any areas of concern or if a grade change is necessary. * Reports all recommendations for risk rating changes and justifications. Loan Officer Support * Accompanies loan officers on customer meetings and site visits. * Prepares talking points related to the operation of the customer's business. Team Development * Assists with the further development and training of other junior level credit analysts. Other Responsibilities * Performs other duties as may be assigned. Requirements: * Bachelor's degree in Business Administration, Accounting, Finance, or other related field required; * Minimum of five (5) years experience as a Commercial Credit Analyst; * 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. 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 need. Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.

Manages and staffs the Universal Banker I's and performs audit functions. Manages the Teller Line to the expected Sales and Service Standards, providing coaching as needed and tracking of the referral goals. Participates in the branch opening and closing procedures and is responsible for branch operations in the absence of the Retail Relationship Manager and Retail Client Experience Manager. Performs function of the Universal Banker I's on a regular basis, as staffing and client traffic require. Responsible for providing exceptional service to all existing and potential clients. Will manage the full client experience efficiently, identifying sales opportunities, making referrals and handling service transactions. Responsibilities The following reflects management's definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or other reasons. Develop, expand and manage consumer and business account relationships, concentrating efforts in meeting client needs for financial products. Actively participate in ongoing training and regular sales meetings. Willing to be cross-trained to perform duties necessary to assist clients when management is not present. Process a variety of routine and complex transactions such as account opening and closing, processing deposits, withdrawals, loan payments and transfers. Assist with the daily operations of the branch including reporting, audits, ATMs, coin machines and the main cash vault. Prepare cash for shipments and ordering cash/coin for the branch as needed. Demonstrate knowledge of policies and procedures and the ability to apply this knowledge in real situations. Identify clients with additional profit potential and develop action plans to expand these relationships. Refer business to all partners. Support the implementation of the Kearny Bank Client Experience. Deliver strategic insights to improve the client experience. Lead, motivate, reward and develop the branch team. Develop and manage the process to resolve client criticisms and concerns in a courteous, positive and timely manner. Simplifies and strengthens client experiences and builds client trust by listening to feedback, understanding reasons of dissatisfaction and identifying opportunities to improve. Coach the sales process and each team member. Hold team accountable for sales objectives Proficient in delivering and coaching the flawless delivery of our service protocols and the sales process (The Client Experience) to all Team Members, including new employees. Serves as a role model for branch team, provides guidance on appearance and dress, as needed. Conduct daily observations of team and provide mentoring and training to improve staff development and overall branch results. Serve as a liaison between the branch and various departments to ensure full communication and understanding of all company policies and procedures. Conducts individual coaching sessions with each team member on a quarterly basis with a strong emphasis on achievement of production goals and service standards. In the performance of respective duties, must maintain knowledge of and ensure compliance with Bank Secrecy Act regulations and all other regulatory, security and bank policies. Perform other duties as may be assigned. Qualifications Associate's degree or comparable professional training is required. Minimum 2 to 4 years Retail Banking experience. Ability to meet/exceed client experience needs, identify client/project needs. Knowledge of bank's products, services, sweep accounts, concept & Techniques and cash management services. Ability to model Relationship Building Techniques and effectively cross-sell. Ability to resolve client questions and/or complaints. Ability to manage staff and resolve conflict. Strong team player. Ability to foster open communication, deliver presentations, demonstrate listening, speaking and written communication skills. Ability to answer questions effectively, build client relationships and build internal and external networks. Ability to act with integrity, demonstrate adaptability, work commitment and maintain a positive performance in all situations. Working knowledge of Microsoft Excel, Word, Access and Outlook. Ability to interact effectively and tactfully with all levels of the Bank. Ability to read, write and speak clearly. Assist Business Relationship Officers and Loan Officers with business calls to existing and potential clients, as needed. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands and fingers, handle or feel objects, use tools or controls, reach with hands and arms, talk and/or hear. The employee frequently is required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, peripheral vision, color vision, depth perception, and the ability to adjust focus. SUPERVISORY RESPONSIBILITY Guides work of others who perform essentially the same work. May organize, set priorities, schedule and review work, but has no responsibility to hire, terminate, review performance or make pay decisions COMPENSATION $21.63-$31.25/hr