Credit Administration Coordinator

Bravera Careers•Bismarck, ND

About The Position

Bravera is hiring for a Credit Administration Coordinator at any Bravera location. Bravera is an employee- and director-owned company that is committed to helping our employees forge a new path in their career. We work together to drive continuous improvement which enhances the customers experience and keeps our organization moving forward. This position is responsible for coordinating the credit administration functions of Bravera Bank. Overall responsibility will focus on documentation of credit actions of Loan Committee and reporting various level reporting for Board of Directors, Department Managers, and Chief Credit Officer. Identify opportunities to create standardized forms, processes, and procedures relating to credit or product review functions. Responsible for coordinating the Bravera Loan Committee. SUPERVISION RECEIVED: Works under the supervision of the Chief Credit Officer SUPERVISORY RESPONSIBILITIES: None.

Requirements

Bachelor’s degree in business, finance, or related field.
OR An acceptable combination of education and work experience.

Responsibilities

Coordinate Loan Committee Meeting (generally 2/week)
Create agenda, send to committee members, maintain calendar (held via video conference)
Post credit presentations and meeting materials electronically for committee reference to common drive
Record committee decisions and voting via credit approvals or word documents for non Web Equity items
Advise lenders, assistants, and other departments relative to the day’s meeting content of committee action
Items for board review Loan Documentation
Post BLC agendas (PDF format) for recordkeeping, includes BLC Committee, Overdrafts, Denials, email votes, BOD actions of credits
Track loan activity weekly via query from WEM Research and provide committee documentation upon request
Track & advise of credit requests for insider loans (Reg O reportable)
Maintain forms submitted for committee approval (Charge Off, Non Accrual, Risk Rating Reclassification, Credit Card)
Track exception approvals and query weekly for quarterly reporting to BOD.
Monitor ILTV-SLTV trends
Periodic Reporting
Semi-Annual Borrower Concentration Report (December/June)
Annual Review of Purchased Participations/UBPR criteria & Tracking (2/yr)
Impairment Reporting – 30 days prior to quarter end.
Monthly Exception reporting – DM’s currently not providing (WEM) Approval at all levels
LTV charts
Underwriting charts
Past due trend
Portfolio concentration
Coverage Ratio/Classified trend = short version credit administration
Quarterly RE concentration trends
SLTV trends
Borrower concentration – working w/JHA for enhancements
Past due – graphs
Hotel/Motel/Church concentration
Policy Maintenance
Bravera Bank Loan Policy & Exhibits – Annual review in September; updates as needed
Bravera Bank Loan Procedures & Exhibits – Annual review in September, updates as needed
Verify all forms and links are current as supposed to be used in all locations
Responsible for promoting teamwork and open communication among all functions of the organization and with Subsidiaries.
Responsible for promoting the organization in the community through participation in various civic and community events, activities, committees, and organizations.
Must maintain a high level of confidentiality and professionalism regarding all employee and customer issues and information.
Contribute to the overall success of the organization.
Adhere to all banking rules and regulations, including but not limited to the requirements of the Bank Secrecy Act. In addition, the employee will be proactive in the prevention of illegal activities, will vigilantly look for activities that may constitute any type of fraud including money laundering, and will report any suspicious activity to the BSA Officer.
Participate in Action Team and Committees, as assigned.
Assist with special credit administration projects, as requested.