Credit Administration Manager

POSITION SUMMARY: Leads/supervises Credit Administration Department personnel and functions, including maintenance of high-quality financial statement spreading and financial analysis. Develops methods of evaluation of overall loan portfolio, including risk rating of individual credits. Responsible for the centralization and management of customer loan information, including effective use of capacities of system software and efficient/consistent storage of loan documentation on a bank wide basis.

PRIMARY RESPONSIBILITIES AND ACCOUNTABLILIES: (95%)

ACCOUNTABILITY 1:

Responsible for the centralization and retention of customer loan information. Reviews loan software program options to provide documentation in best interest of Bank. Carries out changes in federal law and local/state agency mandates as required. Effectively uses capacities of system software for purposes of loan portfolio analysis and reporting. Determines efficient/consistent methods of retention of customer loan information and implements on a bank wide basis.

ACCOUNTABILITY 2:

Develops methods and reports for evaluation of overall loan portfolio, including risk rating of individual credits. Identifies problem loans, makes recommendation to Chief Credit Officer for assignment of loans to the "Watch List". Discusses status of problem loans with Chief Credit Officer and may make recommendations regarding future credit information needs. Identifies loans meeting non-accrual or charge off criteria. Analyzes and prepares monthly/quarterly CECL for loan and lease losses for the Chief Credit Officer. Prepares appropriate monthly/quarterly/annual Board reports. Prepares periodic studies of various portions of the loan portfolio including past due reports, basket loans, concentrations of credit, etc. for the benefit of supervisory and executive officers.

ACCOUNTABILITY 3:

Assists Chief Credit Officer in formulation and review of Bank Loan Policy. Primary author for Loan Procedures Manual; shares responsibility for periodic updates. Attends all past due meetings, loan reviews, and Loan Policy Committee meetings. Examines files systematically for adequacy of credit and collateral documentation, regulatory compliance, and loan policy conformance. Reviews technical exceptions and deficiencies. Prepares and oversees written analysis on all large loans, large aggregate lending to one borrower, complex loans and weak loans.

ACCOUNTABILITY 4:

Directly supervises, coaches and develops direct report employees, including career development plans and systemic succession planning. Sets goals and evaluates individual performance. Works with direct reports to build culture characterized by teamwork, high morale and retention of valued employees. Ensures effective bank wide communication. Regularly communicates policies, goals and results.

ACCOUNTABILITY 5:

Ensures production of high-quality statement spreads and financial analysis from credit analysts. Provides technical assistance and guidance to loan officers and credit personnel. Provides training to individuals in the Bank's loan officer training program.

ACCOUNTABILITY 6:

Ensures loan documents are reviewed for accuracy and errors are identified during the pre-proofing and post-closing processes. Notifies the Chief Credit Officer of any patterns or concerns in loan documentation or practices.

SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES: (5%)

• Confers with the Loan Operations Manager to ensure regulations and safety and soundness practices are being utilized across the full lending process.

• Promotes Bank within community through involvement and participation in community organization(s).
• Other duties as may be assigned.

EDUCATION, EXPERIENCE, AND OTHER REQUIREMENTS:

• Bachelor's degree in Business, Accounting or Economics

• Minimum of 5 to 10 years experience, including commercial and consumer lending, and loan documentation
• Strong communication skills, both written and verbal
• Negotiation skills
• Ability to interact with customers and employees with tact, diplomacy and confidentiality
• Resourceful, innovative and well organized
• Ability to assess problems and/or unusual situations and develop logical solutions
• Ability to create a collaborative and motivating team environment
• Ability to develop and advance skills of staff
• Strong ethical focus