Credit Administration Associate

Columbia Bank•Irvine, CA

6d•Onsite

About The Position

This position reports to the Sr. Credit Officer and is responsible for reviewing, approving, declining, or recommending commercial credit applications within assigned approval limits while maintaining risk exposure consistent with bank loan quality guidelines. Monitor quality and performance of portfolio(s) and advises line partners on strategies to protect bank capital, if performance declines. Develops partnerships with business line leaders for mutual goal attainment and collaboration on shared priorities. In partnership with leadership and peers, collaborate with bankers to develop high quality loan portfolios and service client relationships. Review, approve, decline or recommend credit facilities within assigned credit authority levels. Administer and review loans and loan commitments within assigned authorities. The position includes individual secured credit authority of up to $10,000,000 in Total Credit Exposure (TCE). Any relationship that exceeds assigned authority or is otherwise outside of an individual’s established credit authority, as defined by Credit Policy or Guidelines, will require recommendation to Associate(s) with higher authority. Assist with management of delinquent loans, ensuring bankers are making appropriate contact with past due accounts. Review and assist with the completion and accuracy of monthly past due-loan reports and problem loan reports by bankers and ensure timely submission of the past due and problem loan reports to Credit Quality Administration. Monitor and verify risk rating accuracy on delinquent loans and those submitted for approval. Advise bankers on the risk rating process and ensures timely documentation of migrations. Review credit recommendations for accuracy and assists banking staff in the development of complete, accurate and well-structured credit recommendations. Provide guidance and advice to the banking staff on financial analyses, loan structuring and other credit considerations. Ensure lending staff is aware of all relevant changes in credit requirements. Engage with clients, prospects, and internal banking staff to provide perspective regarding risk identification, mitigation, and loan structuring. Provide guidance to clients, prospects and internal banking staff on identifying risks, implementing mitigation strategies, and structuring loans effectively. Demonstrates compliance with all bank regulations for assigned job function applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations and completes all required annual or job specific training. Proficient understanding of the Banks written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other regulations as applicable to this job description. May be asked to coach, mentor or train others and teach coursework as a subject matter expert. Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. May perform other duties as assigned.

Requirements

7-10 years — Commercial lending experience demonstrating a knowledge of industry best practices and financial concepts. (Required)
3-5 years — In an Underwriter, Portfolio Manager and/or Client Solutions Manger (or equivalent) position. (Required)
Demonstrated analytical, decision-making and problem-solving skills.
Strong interpersonal and collaboration skills; comfortable dealing with a large span of people across all levels of the organization.
Solid financial business acumen and ability to interpret and understand financial reports and presentations regrading credit portfolio performance.
Strong computer skills including use of the Microsoft Office suite and ability to learn new business software as needed.
Basic understanding of market orientation - uses knowledge effectively with internal and external customers.
Ability to stay current on legal and regulatory requirements applicable to the bank’s portfolio.
Proven clear, effective and focused written communication skills, verbal and written.
Sound listening skills
Ability to effectively persuade and influence others and develop rapport.
Ability to provide feedback in a timely manner.
Demonstrate basic knowledge of financial presentations and ability to understanding a client business and how it operates.

Nice To Haves

Occasional travel

Responsibilities

Review, approve, decline or recommend credit facilities within assigned credit authority levels.
Administer and review loans and loan commitments within assigned authorities.
Assist with management of delinquent loans, ensuring bankers are making appropriate contact with past due accounts.
Review and assist with the completion and accuracy of monthly past due-loan reports and problem loan reports by bankers and ensure timely submission of the past due and problem loan reports to Credit Quality Administration.
Monitor and verify risk rating accuracy on delinquent loans and those submitted for approval.
Advise bankers on the risk rating process and ensures timely documentation of migrations.
Review credit recommendations for accuracy and assists banking staff in the development of complete, accurate and well-structured credit recommendations.
Provide guidance and advice to the banking staff on financial analyses, loan structuring and other credit considerations.
Ensure lending staff is aware of all relevant changes in credit requirements.
Engage with clients, prospects, and internal banking staff to provide perspective regarding risk identification, mitigation, and loan structuring.
Provide guidance to clients, prospects and internal banking staff on identifying risks, implementing mitigation strategies, and structuring loans effectively.
Demonstrates compliance with all bank regulations for assigned job function applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training.
Keeps up to date on regulation changes.
Follows all Bank policies and procedures, compliance regulations and completes all required annual or job specific training.
Proficient understanding of the Banks written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other regulations as applicable to this job description.
May be asked to coach, mentor or train others and teach coursework as a subject matter expert.
Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words.
Takes personal initiative and is a positive example for others to emulate.
May perform other duties as assigned.

Benefits

comprehensive healthcare coverage (medical, dental, and vision plans)
a 401(k)-retirement savings plan with employer match for qualifying associate contributions
an employee assistance program
life insurance
disability insurance
tuition assistance
mental health resources
identity theft protection
legal support
auto and home insurance
pet insurance
access to an online discount marketplace
paid vacation, sick days, volunteer days, and holidays