Credit Administration Specialist

HEBRON SAVINGS BANK•Hebron, MD

1d•$21 - $28

About The Position

The Credit Administration Specialist provides administrative and operational support to the Credit Department at Hebron Savings Bank. The role supports construction and development loan administration, commercial credit file maintenance, financial reporting follow-up, borrower information collection, and departmental tracking systems. The Specialist works closely with Credit Department personnel and Relationship Managers to ensure information is accurate, complete, and available for commercial credit underwriting and portfolio management. The position also supports commercial loan reviews and renewals, departmental reporting, internal audits, regulatory examinations, and loan reviews. Under the guidance of Credit Department personnel, the Specialist may assist with basic financial statement and tax return spreading and preliminary analysis in LoanVantage. The employee is expected to maintain confidentiality, follow Bank policies and procedures, understand applicable regulatory requirements including BSA, and participate in required training.

Requirements

High school diploma or equivalent required.
Strong organizational skills and attention to detail, including the ability to maintain accurate records and manage multiple priorities and deadlines.
Proficiency with Microsoft Excel, Word, and other office applications; ability to learn and use specialized banking software effectively.
Strong interpersonal and communication skills, including the ability to coordinate effectively with Relationship Managers and other Bank personnel.
Ability to work independently, follow established procedures, and exercise sound judgment in identifying matters requiring additional review.
Willingness and ability to develop a basic understanding of financial statements, tax returns, and commercial credit analysis.
Ability to maintain confidentiality of sensitive customer and financial information.

Nice To Haves

Additional education or training in business, finance, or a related field.
Prior banking, loan administration, or related administrative experience.

Responsibilities

Process construction and development loan draw requests by coordinating inspections, reviewing supporting documentation, processing authorized advances, and maintaining draw records.
Reconcile construction draw records to loan account balances monthly and assist with construction-related release fee calculations and verification.
Maintain electronic commercial credit files in Synergy, including scanning, indexing, and organizing financial statements, tax returns, credit reports, and other documentation.
Maintain departmental tracking systems and reports, including the commercial loan pipeline, large borrower relationships, financial statement requirements, and portfolio monitoring activities.
Maintain the financial statement tickler system, monitor outstanding reporting requirements, and coordinate with Relationship Managers to obtain required financial information.
Receive, review for completeness, and track borrowing base certificates, referring exceptions or concerns to appropriate Credit Department personnel.
Coordinate Letter of Credit billing and monitor upcoming maturities.
Support commercial loan annual reviews, renewals, and other credit-related activities by gathering required documentation and preparing files for analysis.
Assist with preparing and maintaining departmental reports and information requested for internal audits, regulatory examinations, and loan reviews.
Assist with basic financial statement and tax return spreading in LoanVantage and related preliminary analysis, as needed and under the guidance of Credit Department personnel.
Maintain working knowledge of applicable Bank policies, procedures, and regulatory requirements, including BSA, and participate in required training.
Perform other related duties as assigned.
Work closely with Credit Department personnel, Loan Documentation & Operations staff, Business Development Officers, and branch personnel to facilitate departmental operations and support customer service.