Corporate Credit Administrator

Glacier Bancorp, Inc.•Helena, MT

9h•Hybrid

About The Position

Under the direction of the Chief Credit Officer, the Credit Administrator will be responsible for monitoring underwriting and loan administration quality including identification of detailed credit migration trends, problem loan administration, and reporting. Works with division banks to ensure compliance with established Bank policies and procedures and stays abreast of regulatory and audit issues. This individual will be considered a subject matter expert in loan related policies, procedures, credit underwriting, problem loan administration and quality control oversight. This is a Corporate position which may be located at an available bank division location across our nine-state footprint in AZ, CO, ID, MT, NV, TX, UT, WA, or WY. Click here to learn more about our bank divisions. The entry-rate for this position is $167,795.92 + / per year (calculated for Kalispell, MT). All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background. WA Applicants ONLY range: $182,767.80 to $274,151.68 a year. Reviews requests for credit approval and provides feedback pertaining to credit quality, underwriting, and loan policy compliance in an effort to maintain consistency with the bank’s overall loan growth and portfolio management objectives. Establishes and maintains quality assurance standards, procedures, and controls to ensure compliance with loan related policies, procedures, and regulatory guidance. Assists bank divisions in problem loan administration with the goal of creating solutions to limit credit loss potential. Monitors, analyzes, and reports data and trends regarding the bank’s loan portfolio and asset quality. Assists in the development and maintenance of sound credit policies and the administration of systems, procedures and controls. Paticipates, and in some instances leads, special projects pertaining to credit administration or other company-wide initiatives. Assists in external and internal credit reviews and respective lending audits of the bank and bank divisions. 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.

Requirements

Bachelor’s Degree required, preferred in Accounting, Finance, Economics, or Mathematics.
Minimum of 10 years commercial banking experience required with an emphasis on credit administration.
Proficient with database systems and reporting tools such as Microsoft Power BI.
Experience making commercial loans and also developing loan policy.
Prior experience with Probability of Default and Loss Given Default risk grading systems and stress test analytics.
Experience working with Regulators and internal/external auditors.
Work frequently involves contacts requiring considerable discussion of problems, material presentations, and resolving issues impacting multiple departments or divisions. The ability to motivate or influence others is a material part of the job, requiring a significant level of professional diplomacy, trust and relationship. Obtaining cooperation and agreement (internally and/or externally) is an important part of the job and a expert level of interpersonal and written communication skills are critical to the success of this position.
Ability to clearly communicate complex credit data in a clear, concise, easy to understand format for internal and external (investor reporting) use.
Strong familiarity with key credit reporting metrics.
Solid understanding of the investment community and reporting needs, including peer analysis and determining common themes of interest amongst investors and analysts.
Strong understanding of industry credit reporting standards.
Personal drive to develop best in class credit reporting.
Solid understanding of credit to evaluate individual credit requests and also to make credit policy recommendations.
Understanding of bank credit policy needs for a $20 B+ institution.
Good understanding and familiarity with various presentation methods.
Advanced written and verbal communication skills.
High level of attention to detail.
Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
Employee must be capable of regular, reliable, and timely attendance.

Responsibilities

Reviews requests for credit approval and provides feedback pertaining to credit quality, underwriting, and loan policy compliance in an effort to maintain consistency with the bank’s overall loan growth and portfolio management objectives.
Establishes and maintains quality assurance standards, procedures, and controls to ensure compliance with loan related policies, procedures, and regulatory guidance.
Assists bank divisions in problem loan administration with the goal of creating solutions to limit credit loss potential.
Monitors, analyzes, and reports data and trends regarding the bank’s loan portfolio and asset quality.
Assists in the development and maintenance of sound credit policies and the administration of systems, procedures and controls.
Participates, and in some instances leads, special projects pertaining to credit administration or other company-wide initiatives.
Assists in external and internal credit reviews and respective lending audits of the bank and bank divisions.
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.