Credit Administration Manager

Description

John Marshall Bank is seeking a Credit Administration Manager to oversee credit risk assessment, loan monitoring and policy compliance for the Bank. Primary responsibilities include managing the loan portfolio stress testing, CRE concentration reporting, annual loan reviews, and the allowance for credit losses process.

Responsibilities

Commercial Real Estate (CRE) Reporting & Analysis

• Prepare and maintain the CRE Concentration Report.
• Conduct CRE audits, ensuring balances align with the General Ledger (GL).
• Leverage advanced Excel skills (VLOOKUP, Pivot Tables) to analyze data and present findings.
• Generate Co-Star reports and transform raw data into meaningful trend analysis by call code.
• Research and interpret market data tied to call codes, preparing Board-ready reporting.
  
  

Stress Testing

Bottom-Up Stress Testing (Abrigo)

• Audit CRE loan data, updating with NOI/appraisal information as needed.
• Perform loan sample testing (amortization, appraisal, P&I) to verify accuracy of core-to-Abrigo data feeds.
• Run tests, identify high-risk loans, and analyze drivers of risk.
• Produce balance sheet insights and compile Board reports.
  
  

Top-Down Stress Testing (Abrigo)

• Update top-down models with data from Accounting.
• Ensure Abrigo is current with quarter-end financials.
• Run analyses, interpret results, and deliver Board-level reporting.
  
  

Current Expected Credit Loss (CECL) Program

• Reconcile CECL balances to both the GL and Abrigo.
• Generate reporting from Abrigo, incorporating the qualitative framework.
• Confirm reserve amounts monthly in partnership with Accounting.
• Prepare quarterly Board and Steering Committee materials, including PowerPoint presentations, detailed minutes, and supporting memos.
• Develop and present Excel-based charts for Board communication.
• Manage annual CECL refresh process
• Manage any audits – internal or external
• Manage Validation process, including vendor selection and approval
  
  

Annual Review Process Management

• Implement procedures for annual reviews
• Assign and manage the annual review process to ensure completion
  
  

Vendor Management & Governance

• Lead vendor evaluations and due diligence for CECL validation
• Negotiate Abrigo contract renewals
• Draft recommendation memos for senior management and Board consideration
  
  

Covenant Compliance

• Monitor and review the covenant mailbox daily to ensure timely assessment and resolution
  
  

Special Assets

• Assist the Chief Credit Officer in the management of watch list loans either directly with borrowers or indirectly with lenders
  
  

Monthly

Cyclical Responsibilities:

CoStar – uploading monthly data into the Lender Platform

Loan Production Reports Package

• This reports package consists of 7 reports.
• All of the reports in this package are derived from H360 data reports and other data reports provided by Accounting and Loan Operations which are utilized to validate the H360 reports.
• All of the underlying data is compiled utilizing various excel spreadsheets with that compiled data then being fed into separate excel spreadsheets to produce the final report outputs which are then assembled into the reports package.
  
  

Loan Quality Reports Package

This report package consists of 8 or 9 reports derived from H360 data reports, some of which were utilized in the Loan Production Reports, but most of which are completely separate.

• Largest Borrower Exposure Report,
• manual adjustments of the filters within the underlying H360 reports to reflect changes in the list
• It is also required for this report that all cell references be manually verify cell references
• periodic review of the relationships captured on the report to determine whether the relationship IDs that we have been tracking to determine accuracy
  
  

Quarterly

Loans Maturing & Repricing (LMAR)

• Analyze approximately 40 loans that have upcoming maturity or repricing dates (within 18 months)
• Provide details on loans with projected DSCR under 1.10x
• Provide details on any loans that fit the criteria above that have repriced or matured since the last report
  
  

Office & Multi Family Monitoring

• Analyze our multi-family and office (investor owned and owner-occupied) portfolios to provide summary on balances, area concentrations, and concentrations by maturity date
• This is included in press releases
  
  

Watch List Meeting

• Coordinate the preparation of the Criticized Asset Reports for the meeting
• Conduct the meeting
• Review and sign off on the minutes prepared by the Credit Administration Administrator
  
  

Quarterly Board Reports

• The credit quality reports package consists of 5 reports derived from data provided by the construction team, H360 data reports, and Ceris Reports.
• Quarterly CRE Policy Concentrations Guidelines Test Report
• Additional reports as requested
  
  

Annual

Office Portfolio Report

• Analyze information on our entire Office portfolio above $1MM in balances (investor-owned and owner-occupied)
• Provide details on loans with LTV, debt yield, DSCR, etc. outside of the average range of the rest of the portfolio
• This position will not have immediate supervisory responsibilities; however, the scope of the role and responsibilities may change in the future.
  
  

Requirements

Qualifications:

• Bachelor’s Degree
• Ten years to fifteen years of similar or related experience
• Previous loan approval authority preferred
• Ability to spread and analyze financial statements, tax returns and other financial and non-financial data: to calculate and interpret financial ratios and metrics; evaluate alternative methods, concepts and ideas of others; summarize data for analysis by others; possess and demonstrate knowledge of accounting principles and practices; apply basic accounting principles in the interpretation of customer financial statements.
• Ability to exercise the use of discretionary judgment within clearly guided law, regulation, company policy or operating standards
  
  

John Marshall Bank is an Equal Opportunity Employer

Benefits

At John Marshall Bank, we pride ourselves on being able to attract the best talent in the industry, therefore we offer a comprehensive benefits package which includes:

• Medical
• Dental
• 401K Retirement Plan w/ an Employer Match (4% match on 5% contributions – this is highly competitive compared to other organizations)
• Vision
• Employee Assistance Program
• Flexible Spending
• Transit Reimbursement
• Dependent Day Care
• Long Term Care
• Paid Time Off
• Life and Disability Coverage
  
  

At this time, John Marshall Bank will not sponsor a new applicant for employment authorization for this position.