Credit Administrator

• Serve as the CCO primary partner on governance, policy development, committee preparation, delegated approvals, and special projects.
• Support implementation of management decisions and department priorities.
• Recommend improvements to policies, procedures, and controls.

• Coordinate annual reviews, problem loan reports, construction reporting, covenant monitoring, criticized asset reporting, and other credit administration deliverables.
• Analyze trends and emerging risks across the portfolio.
• Validate accuracy and timeliness of reporting and quality control processes.

• Coordinate FDIC, audit, compliance, and external review activities.
• Track findings and corrective action plans to completion.

• Monitor findings, exceptions, overdue items, and process gaps.
• Lead initiatives that improve efficiency, controls, reporting, and credit quality.

• Work with lending, operations, appraisal, compliance, special assets, and credit teams to improve consistency and handoffs.
• Provide portfolio-level feedback and coaching based on trends and review findings.

• Participate in required training, staff meetings, and lobby displays.
• Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of First Security Bank.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
• Complete required bank training courses within assigned time frame(s).
• Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date.
• Represent First Security Bank in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy.
• Regular and predictable attendance to accomplish job duties and provide in-person contact with customers.
• Additional duties as requested or assigned.

• Minimum of ten (10) years of progressive experience in credit analysis, commercial lending, and/or credit administration, with demonstrated ability to evaluate complex borrowers and structures.
• Bachelor’s degree in business, accounting, finance, or related field is required.
• Prior experience in nCino preferred.

• Demonstrated ability to influence underwriting standards across a team.
• Strong written and verbal communication skills; comfortable providing feedback to management.
• Proficient in Microsoft 365 (Excel, Word, Outlook, Teams); strong Excel capability required for financial analysis, reporting, and portfolio monitoring.
• Must be capable of exercising highest level of discretion on both internal and external confidential matters.
• Must be able to deal calmly and professionally with numerous different personalities from diverse cultures and various levels within and outside of the bank and demonstrate highest levels of customer service discretion when dealing with public.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: The employee is constantly required to stand and walk. Exerting up to 25 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to move objects. If the use of arm and/or leg controls requires exertion of forces greater than that for sedentary work and the worker sits most of the time, the job is rated for light work.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.