Joshua Davis

About Joshua Davis

An ambitious problem solver with insatiable curiosity and a passion for solving complex problems through data, research, and strategic insight. Recent Economics graduate from PLU with minors in Mathematics, Business and extensive experience in leading community initiatives. I am currently a credit analyst at Columbia Bank with a strong foundation in economics, quantitative analysis, and risk assessment. I support underwriting and portfolio management across C&I, CRE, construction, retail lending and more by performing detailed financial analysis, covenant testing, cash flow evaluation, and risk rating assessment, while partnering closely with relationship managers to structure and manage deals.I bring a data‑driven approach to credit, with experience building analytical tools that strengthen portfolio oversight, compliance, and decision‑making, including pipeline analytics, compliance tracking dashboards, and asset quality models for ABL facilities. My work emphasizes clarity, accuracy, and risk awareness across the full credit lifecycle.Previously, I worked in ESG and energy analytics, where I evaluated regulatory and financial risk tied to energy efficiency and emissions across a large property portfolio. I developed transition‑risk frameworks, conducted lifecycle cost and emissions analyses, and applied statistical modeling to identify high‑risk assets, experience that sharpened my ability to translate regulatory complexity into actionable financial insight.I’m particularly interested in underwriting, credit risk, portfolio strategy, and data‑driven financial analysis, and I’m motivated by work that combines rigorous analysis with practical business impact.

Experience

1. Commercial Credit Analyst i

   Columbia Bank

   Aug 2025 — Present

   Support credit analysis and portfolio management by collaborating between underwriting and relationship team to maintain deal flow and compliance standards.Core Responsibilities:• Process underwriting requests, including spreading financial statements, reviewing supporting documents and (AP/AR agings, tax returns, rent rolls)• Perform comprehensive credit analysis encompassing financial write-ups, covenant testing, cash flow and debt service capacity evaluation, narrative development, risk rating assessment, account consolidation, and asset quality review• Address industry-specific and credit risk considerations through detailed analysis while assisting in loan structuring and pricing decisions• Gain exposure to a diverse portfolio across C&I, owner-occupied and non-owner-occupied CRE, construction, and retail sectors, working with various credit structures including ABL, term loans, revolving lines of credit, and construction facilities• Establishing positive working relationships between relationship and credit team. As well as networking with supporting teams in special assets, Foreign exchange/international finance, treasury management, ESG/Social Impact and more. Key Contributions:• Built a compliance tracking dashboard to monitor ticklers and regulatory requirements across the portfolio, strengthening risk oversight and audit readiness• Developed a pipeline analytics report enabling relationship managers to identify cross-sell opportunities and strategically manage prospect flow and customer relationships. Includes Tracking, analyzing pipeline KPIs, and managing reporting processes via excel and Salesforce• Created an ABL asset quality modeling tool that evaluates inventory turnover, seasonality, concentration risk, and other key factors to enhance underwriting decisions for asset-based lending facilities• Consult managers on data life cycle to maintain audit readiness and compliance with loan documentation

Education

• Pacific Lutheran University

  Bachelor's of Economics

  2023 — 2025

• Green River College

  Associate of Arts - AA

  2021 — 2023