Credit Administration Officer
Overview
The position of Senior Credit Administrator assists the Divisional Chief Credit Officer in approving, administering and reviewing loans and loan commitments to ensure that they adhere to existing policy guidelines and that documentation is adequate to ensure security of collateral. Engages in the monitoring of existing credits to ensure the correct risk rating is in place. Will assist in the development and presentation of training programs as they relate to lending personnel. Will support the management and collection of work out credits assigned to the department. The position of Senior Credit Administrator assists in attaining established Bank, region and branch goals through active participation in sales management and officer call programs, and is expected to provide leadership, training and support to less experienced staff members. Recruitment of new team members.
Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.
Responsibilities
Reviews large and complex loans prior to submission to loan committee. Will assist account officers in analyzing, underwriting, and managing credits.
Will perform periodic assessments of concentration limits and concentration risk to local economy and periodic local economic analysis. Will assist in integrating results of portfolio risk analysis into the preparation of the ALLL report.
Will assist the Special Assets Officer in managing for collection workout credits assigned to the department and prepare LAPSR's for criticized loans, as well as preparing monitoring reports for Watch credits. Will assist Loan Officers in the management of weak credits.
Responsible for developing a credit training program for all personnel related to the credit approval process and loan portfolio management. The program focuses on underwring, loan management, early detection of loan weaknesses, and correct risk rating. Will also assist department in presentation of workshops/seminars on current credit issues to lending personnel.
Performs post mortems on charged off loans.
Provides information and support on credit practices for the affiliate banks.
Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
Consistently applies good decision making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
Cross-sells the Bank's other products and services, referring customers to appropriate staff as indicated.
Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
Participates in various internal committees assigned by senior management.
Performs personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervises the activities of employees including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training.
Provides leadership and training to less experienced loan officers and other staff members.
Qualifications
Bachelor's degree (BA) or equivalent from a four (4) year college or university eight (8) and or more years related experience and/or training; the equivalent combination of education and experience.
Work related experience should consist of a financial analyzing or lending background.
Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
Advanced experience, knowledge and training in all lending activities and terminology.
Advanced knowledge of commercial, construction, real estate and consumer loan processing.
Excellent oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
. Apply now!Estimated Salary: $20 to $28 per hour based on qualifications.
The position of Senior Credit Administrator assists the Divisional Chief Credit Officer in approving, administering and reviewing loans and loan commitments to ensure that they adhere to existing policy guidelines and that documentation is adequate to ensure security of collateral. Engages in the monitoring of existing credits to ensure the correct risk rating is in place. Will assist in the development and presentation of training programs as they relate to lending personnel. Will support the management and collection of work out credits assigned to the department. The position of Senior Credit Administrator assists in attaining established Bank, region and branch goals through active participation in sales management and officer call programs, and is expected to provide leadership, training and support to less experienced staff members. Recruitment of new team members.
Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.
Responsibilities
Reviews large and complex loans prior to submission to loan committee. Will assist account officers in analyzing, underwriting, and managing credits.
Will perform periodic assessments of concentration limits and concentration risk to local economy and periodic local economic analysis. Will assist in integrating results of portfolio risk analysis into the preparation of the ALLL report.
Will assist the Special Assets Officer in managing for collection workout credits assigned to the department and prepare LAPSR's for criticized loans, as well as preparing monitoring reports for Watch credits. Will assist Loan Officers in the management of weak credits.
Responsible for developing a credit training program for all personnel related to the credit approval process and loan portfolio management. The program focuses on underwring, loan management, early detection of loan weaknesses, and correct risk rating. Will also assist department in presentation of workshops/seminars on current credit issues to lending personnel.
Performs post mortems on charged off loans.
Provides information and support on credit practices for the affiliate banks.
Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
Consistently applies good decision making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
Cross-sells the Bank's other products and services, referring customers to appropriate staff as indicated.
Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
Participates in various internal committees assigned by senior management.
Performs personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervises the activities of employees including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training.
Provides leadership and training to less experienced loan officers and other staff members.
Qualifications
Bachelor's degree (BA) or equivalent from a four (4) year college or university eight (8) and or more years related experience and/or training; the equivalent combination of education and experience.
Work related experience should consist of a financial analyzing or lending background.
Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
Advanced experience, knowledge and training in all lending activities and terminology.
Advanced knowledge of commercial, construction, real estate and consumer loan processing.
Excellent oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
. Apply now!Estimated Salary: $20 to $28 per hour based on qualifications.
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