Credit Administrator

Summit Bank•Portland, OR

About The Position

The Credit Administrator confirms sound lending, complete loan documentation and analysis, and implementation of credit-related business plans in accordance with the bank’s objectives. The position develops and delivers ongoing credit training for Loan Advisors and Associates, ensures loan approvals comply with FIRREA and other applicable regulations, and conducts periodic loan reviews to support proper portfolio ratings. Working closely with the Chief Credit Officer, the Credit Administrator identifies risks and opportunities to improve credit processes and develops solutions to address them. The role oversees underwriting and Loan Policy conformance, assists lending units with loan structuring and request preparation, and supports credit approvals and compliance administration for the Equipment Finance Group. It also manages OREO and special assets, oversees impairment analysis updates and TDR reviews, and staffs the Board Loan Committee. The position maintains compliance and documentation, supports colleagues as needed, and provides service to internal and external clients.

Requirements

Bachelor’s degree in finance, accounting, business administration, or a related field.
At least five years of related experience; work experience should be in finance, accounting, or business management.
Ability to read, analyze, and interpret business periodicals, professional journals, and technical procedures.
Strong organizational and time-management skills, including leadership, supervision, employee training, delegation, and positive supervisory practices.
Intermediate proficiency with personal computers, word processing, spreadsheets, and specialty software.
Intermediate keyboarding skills.
Exceptional verbal, written, and interpersonal communication skills, including the ability to instruct and train personnel, write reports and procedures, and communicate clearly with clients, colleagues, directors, and shareholders.
Thorough understanding of management procedures, including planning, objective setting, strategy development, budgeting, policy development, staffing, employee development, delegation, motivation, performance measurement, and corrective action.
Ability to handle complex problems involving multiple facets and variables in non-standardized situations.
Ability to work without supervision while performing duties.
Ability to sit and/or stand for extended periods.
Occasional walking to meet with or assist clients and colleagues at locations within the bank.
Continuous clarity of vision at 20 inches or less for normal work processing.
Repetitive hand use, including grasping, wrist twisting or turning, and finger dexterity for typing, writing, and file maintenance.
Occasional arm use for pushing or pulling drawers and cabinets, bending, and reaching for supplies on low or high shelves.

Nice To Haves

Specialized training and/or experience in credit administration and loan policy development.

Responsibilities

Ensure loan requests are properly underwritten and conform to Loan Policy, or have appropriate mitigations.
Complete and approve credits within Loan Policy and authorized limits, with satisfactory turnaround times.
Assist in the credit approval process for the Equipment Finance Group (EFG).
Manage EFG loan compliance and documentation administration.
Assist lending units with loan structuring and pre-flight review of loan requests.
Train new lenders and associates on bank policies and procedures.
Manage the bank’s OREO and special assets.
Direct completion of status updates and proper documentation of impairment analysis at least quarterly.
Review loans for TDR status.
Staff the Board Loan Committee, including scheduling meetings, providing agendas and supporting documents, reviewing minutes, and supplying relevant information and training to committee members.
Monitor the local credit market and competitors and share relevant information with the Chief Credit Officer and Unit Leaders.
Complete assigned compliance training and maintain compliance with the Bank’s BSA/AML Policy and Procedures.
Maintain paper and electronic files so documents are accessible, consistent, and complete.
Assume department functions in colleagues’ absence or during overload situations.
Provide respectful, ethical, reliable customer service to internal and external clients and uphold organizational values.
Follow policies and procedures, complete administrative tasks accurately and on time, and contribute to bank profitability through cost controls and expense monitoring.
Use sound judgment, identify opportunities and problem areas, work safely, report unsafe conditions, and follow established schedules.