Credit Risk Admin

General Summary

Review loan requests and input into Dynamic Application to prepare for underwriting and assign a credit analyst to each loan. Create covenant ticklers and monitor monthly as needed. Interact frequently with lenders and lender assistants. Prepare monthly board reports. Perform other projects as needed.

Principal Responsibilities and Duties
 

• Develop advanced knowledge of lending policies and procedures to accurately review loan requests before inputting into system. Assign each request to a credit analyst. 
• Regularly monitor accounts receivable loan covenants and calculate borrowing bases to determine compliance. 
• Monitor financial covenants yearly to confirm they are completed and compliant.
• Monitor other covenants as needed.
• Work with lenders, lending assistants, and credit analysts to maintain compliance with loan covenants.
• Prepare monthly board reports for presentation to Board of Directors.
• Ensure compliance with applicable banking laws and regulations and uphold CNB policies and procedures.
• Ability to manage multiple projects and programs at the same time to complete work.
• Maintain regular and punctual attendance and work overtime as needed.
• Work cooperatively and thoughtfully with other departments.
• Perform other duties as required or assigned which are reasonably within the scope of the duties in this job description.

Skills and Abilities Required

• Strong Microsoft Excel, Word, and Outlook skills as well as the capacity to learn and efficiently utilize various other computer programs including Premier Business Analytics and SageWorks.
• Knowledge of policies relating to lending and ability to apply these to loan requests.
• Familiarity with lending practices, guidelines and loan documentation.
• Ability to review loan requests and demonstrate high quality judgment, organization, and prioritization skills.
• Competent in analyzing data and thinking independently.
• Excellent written and oral communication skills and capability in handling sensitive and confidential information in a professional manner.

Certifications/Education and Experience

• Associate’s degree in finance, business, accounting or related field is required, bachelor’s degree preferred.
• A minimum of 3 years of combined related experience in loan operations or loan review is required.

Working Conditions

• Busy environment with varied noise and at times of heavy distraction
• Indoor, in an office environment, with a typical 40-hour workweek
• Considerable effort and eyestrain from continuous computer use.

Physical Requirements

• Occasionally move office equipment, and files weighing 10 pounds.
• Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and computer printer.
• Must be able to remain in a stationary position 75% of the time to process work.