Credit Administrator
About The Position
This role involves critiquing reports of credit extended on loan requests, assisting branches in structuring new and renewed loan requests, and performing personal cash flow analysis. The Credit Administrator approves loans within their delegated authority or recommends loans exceeding these limits, preparing memos to advise branches of approval conditions or reasons for declines. They also review reports for credit extended for loans approved by the branch, checking for policy or technical deficiencies, loan quality, and assigning appropriate loan grades. Additionally, this position reviews weekly delinquency reports, works with branches on collection strategies, and assists Senior Management with seriously delinquent loans and OREO's. The role includes attending monthly DLC meetings to discuss loans and reviewing real estate appraisals. Customer files requiring annual term loan financial statement/tax return updates are also reviewed, with recommendations for loan grade changes if appropriate. The Credit Administrator supervises a team of Credit Officers.
Requirements
- Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
- Ability to write reports, business correspondence, and procedure manuals.
- Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
- Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
- Ability to apply concepts of basic algebra and geometry.
- Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
- Ability to deal with problems involving several concrete variables in standardized situations.
- Fifth year college or university program certificate; or two to four years related experience and/or training; or equivalent combination of education and experience.
Responsibilities
- Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
- Provide, present and promote The Citizens Experience to all external and internal customers.
- Critiques Reports of Credit Extended on loan requests submitted for approval by branch loan officers.
- Assists the branches/departments in structuring new and renewed loan requests.
- Approves loans within delegated approval authority or recommends loans for approval exceeding theses limits.
- Reviews Repots for Credit Extended for loans approved by the branch for policy or technical deficiencies, loan quality, and assigns an appropriate loan grade.
- Reviews weekly delinquency reports and works diligently with the branches in their collection strategies.
- Assists Senior Management with seriously delinquent loans and OREO's as required.
- Attends monthly DLC meetings and discusses new and renewed loans, delinquent loans, and any adversely rated loans.
- Reviews real estate appraisals and prepares an appraisal review form.
- Reviews customer files that require annual term loan financial statement/tax return updates and recommends loan grade changes if appropriate.
- Supervises a team of Credit Officers.
Benefits
- annual bonus
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What This Job Offers
Job Type
Full-time
Career Level
Manager
Education Level
Associate degree
