Credit Administrator
About The Role
POSITION SUMMARY:
The Credit Administrator is responsible for assisting the Chief Credit Officer in ensuring the overall performance of the Banks loan portfolio. The position will evaluate and approve/decline credit requests, for assigned lenders, that exceed their signing authority. Responsibilities include monitoring the credit quality of assigned portfolios to help ensure that established risk parameters are being adhered to, ensuring compliance with all regulatory and credit policies of the Bank, providing assistance to lending officers in managing credit risk and assisting with the development of relationship managers, credit analysts and any other colleague involved in the evaluation of credit. Reviews and evaluates the most complex credits. Acts as a technical expert for complex credit products.
RESPONSIBILITIES:
Evaluate and approve/decline credit requests, for assigned lenders, that exceed their signing authority, up to the credit administrators loan authority.
Manage Consumer and Small Business Lending Platform, with automation or streamlining of processes.
Monitor the credit quality of assigned portfolios, including problem loan reports. Problem loan reports are prepared quarterly on loans that are risk graded 5, 6, 7, or 8. Watch loan report are prepared semi-annually.
Review loan checklists that are prepared prior to printing loan documents, in coordination with the CCO.
Review adverse actions, in coordination with the CCO.
Review and evaluate the most complex, larger credits and work with loan officers to ensure loan reports are accurate and complete, prior to submission to the loan committee.
Assist lending officers manage credit risk.
Supervise assigned Credit Analysts and Underwriters, reviewing performance and workload. Facilitate meetings with assigned Credit Analysts weekly or as frequently as needed.
Mentors assigned Underwriting and Credit Analyst staff, maintaining a schedule and calendar to ensure timely completion of loan underwriting.
Coordinate and conduct ongoing training for the development of relationship managers, credit analysts and any other colleague involved in the evaluation of credit.
Provides ongoing assistance and advice to relationship managers, credit analysts and any other colleague involved in the evaluation of credit.
Assist lenders in structuring deals, keeping the banks best interest in mind.
Utilizes existing bank analytical tools, and devises or recommends revision to improve efficiencies and enhance the accuracy in loan underwriting and ongoing credit management.
About You
REQUIRED QUALIFICATIONS:
Minimum 10 years banking and/or commercial lending experience, with lending approval.
A four-year degree is required.
PREFERRED QUALIFICATIONS:
Experience with LaserPro Loan Documentation
Experience with Jack Henry Core System
Experience in problem loan reporting and servicing
Accuracy with Financial Calculations.
Ability to solve practical problems and deal with a variety of situations exercising flexibility and sound judgment.
Strong organizational and time management skills are essential.
Proficiency in keyboarding and Microsoft Office products (Word, Outlook, Excel, PowerPoint).
Ability to work flexible hours as needed.
KNOWLEDGE, SKILL, ABILITY:
Interpersonal Skills: A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors in a sensitive and/ or highly confidential nature.
Ability to prioritize, meet deadlines, and handle multiple tasks simultaneous in a fast-paced, diverse, and growth-oriented environment.
Must be reliable, hard-working, and work well in a team-oriented environment.
PHYSICAL DEMANDS: The physical demands described here are representative of those that must