Credit Administration Officer

THIRD COAST BANK•Austin, TX

4h•Onsite

About The Position

The Credit Administration Officer position is responsible for the credit monitoring of loans which includes clearing exceptions, borrowing base monitoring and covenant monitoring, managing ticklers and covenants, and imaging documents into the bank’s core system. The CAO is also responsible for pulling background checks on potential new borrowers and assisting the Monitoring Manager with training new Monitoring personnel.

Requirements

Bachelor’s degree from an accredited 4-year college or university preferred; and more than 2 years of related experience and/or training at a financial institution in the credit administration department; or the equivalent combination of education and experience.
Work related experience should consist of a financial institution credit department background.
Educational experience, through formal school or financial industry related curriculum, should be business or financial industry related.
Minimum of 2 years of experience in credit underwriting.
Intermediate skills in computer terminal and personal computer operation, with advanced use of Excel.
Effective verbal, written and interpersonal communication skills.
Demonstrates the ability to multitask effectively and accurately as well as extremely detail oriented
Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
Effective organizational and time management skills.
Ability to work independently.
Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Nice To Haves

Minimum 2 years’ experience with FIS system preferred.

Responsibilities

Monitors loans for compliance with loan covenants.
Monitors loans with borrowing base requirements.
Manages ticklers and covenants within the bank’s monitoring system for new, renewed, and closed loans; and clears credit exceptions in the system.
Create borrowing base certificate and certificate of compliance templates based on the executed loan agreements.
Images credit documents to the bank’s core system.
Pull background checks on potential new borrowers and report negative findings to the Regional Credit Officer.
Assists in training new Monitoring personnel.
Conducts loan reviews as requested by the Chief Credit Officer.
Mentor to the Credit Analyst team as needed and available to answer credit related questions involving commercial underwriting.
Communicates with the Loan Officers, Lending Assistants, and other Credit personnel as needed on credit related items.
Assists the Credit Department with various projects as needed.
Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside activities.
Performs all other duties as assigned.