• Assist with the strategy, design, and launch of new and enhanced insurance products • Responsible for the full product lifecycle - from ideation and market research to regulatory approval and market launch • Collaborate with insurance carriers and Managing General Agents to develop new and revised forms and manuals • Recommend modifications in response to department of insurance objections • Work closely with Actuarial and State Filings to coordinate product launch • Define and assist with the architecture of the product vision • Prepare competitor comparisons and identify market opportunities • Coordinate the end-to-end process with stakeholders, including ideation, design, development, and post-launch optimization • Ensure all products comply with state and federal regulations while maintaining necessary support and documentation • Monitor industry trends and the competitive landscape to guide product development and potential strategy • Partner with Actuarial, State Filings, and Sales teams to ensure alignment and successful execution of client product development initiatives • Provide subject matter expertise and guidance to project teams, fostering a culture of innovation and high accountability

• Prepare and review pricing proposals. • Perform financial viability, cost, and margin analyses. • Support business areas in developing commercial proposals. • Monitor project profitability indicators. • Assess financial risks in RFPs and bids. • Collaborate with departments such as Sales, Finance and Legal. • Analyze revenue, costs, margin and profitability by client, contract and business unit. • Develop management reports and dashboards. • Identify opportunities to improve results and operational efficiency. • Provide strategic analyses to support commercial and financial teams.

• Review vendor invoices and customer expense reports • Assign proper account coding and ensure timely and accurate payment/reimbursement • Work closely with Operations, Account Management, and Accounting Departments • Audit and assign proper coding to vendor invoices, customer expense reports, and expense requests • Enter payment vouchers accurately into operating software, Movetrack • Coordinate with operations team to document all policy exceptions • Escalate inaccuracies and requests for missing information • Follow established conventions for data entry such as dates, invoice numbers, and descriptions • Review and respond to weekly expense audits conducted by management • Enter and maintain accurate expense management notes and document attachments in Movetrack • Generate, audit, and distribute client payroll, tax, or accounting reports on predefined schedules • Other duties as assigned

Title: Sr. Commercial Credit Analyst II Location: NJ-Rahway Job Description: Regular Full-Time Requisition ID: 2723 Salary Range:$109,490.00 To $164,234.00 Annually Summary: Conducts complex credit investigations and analyzes credit information pertaining to commercial loans. Prepares credit analysis memorandums for presentation to lending and credit officers or loan committees. Provides guidance to credit analysts, Associate Development Program personnel and assistance to loan officers as needed. Furnishes information relative to credit inquiries. Job Responsibilities: Credit Analysis and Development - Develops and analyzes credit information for use by lending and credit officers or committees in the making of lending decisions on new, renewal, or extension loans.Credit Analysis - Reviews all pertinent credit and financial information - Analyzes financial statements. - Prepares credit analysis memorandums to determine credit-worthiness of commercial loan applicants. - Exercises conservative judgement in approving Commercial Credit transactions or making recommendations for approval of these transactions to higher authorities. Loan Officer Support - Works directly with lending, business development and credit officers in structuring complex commercial borrowing transactions. - Reviews Precision Lender reports to ensure that transactions meet required minimum return on equity and return on asset standards. Annual File Reviews - Performs portfolio maintenance responsibilities such as the preparation of annual credit file reviews. Team Development - Supervises and provides training to credit analysts. Other Responsibilities - Performs other duties as may be assigned. Job Requirements: - A Bachelor’s degree in Business Administration, Accounting, Finance, or other related field required. - Minimum of 7 years experience as a Senior Commercial Credit Analyst required. - Current or prior lending authority required - 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. - Integrity, initiative, and a proven work ethic. 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.