Senior Credit Administrator
ESSENTIAL DUTIES AND RESPONSIBILITIES
Include the following. Other duties may be assigned.
Supervises the origination of credit in the assigned branches or centers and assists in the structure and pricing decisions for loan proposals.
Ensures compliance with bank policy and procedures relating to loans and credit lines.
Reviews collection reports to ascertain status of collections and balances outstanding and to evaluate effectiveness of current collection policies and procedures. Makes necessary recommendations to the CCO.
Reviews delinquent accounts considered to be uncollectible to ensure maximum efforts have been taken before recommending the assignment of bad debt status to the account.
SUPERVISORY RESPONSIBILITIES
This job has no supervisory responsibilities.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Five to ten years of experience as a commercial credit administrator involved in the approval of non-owner occupied and owner-occupied commercial real estate loans, commercial construction loans, C&I loans, and SBA 7a guaranteed loans. At least five years of experience in the origination, underwriting, and management of these loan types as well.
Sound experience in developing and analyzing Commercial Real Estate (CRE) loan concentration analysis including CRE loan portfolio stress testing methodology and reporting.
EDUCATION and/or EXPERIENCE
Bachelor’s degree (B. A.); or five to seven years related experience and/or training; or equivalent combination of education and experience.
LANGUAGE SKILLS
Ability to read, analyze, and interpret financial reports and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to effectively present information to top management, public groups, and/or boards of directors both verbally and in writing.
MATHEMATICAL SKILLS
Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
