Credit Administrator

California Bank of Commerce, N.A.•Walnut Creek, CA

56d•$180,000 - $220,000

About The Position

The Credit Administrator is responsible for managing the Bank’s overall credit risk for assigned business segments. This position works closely with Relationship Managers and Senior Management to help ensure that established risk parameters are being followed, ensuring compliance with overall portfolio credit quality. The Credit Administrator is responsible for the analytical quality, administration, approval under delegated approval authority, and recommendations for credit approvals of larger, more complex credit transactions.

Requirements

Ability to analyze and organize financial information and perform complex financial calculations.
Detailed knowledge of lending regulations, lien laws and loan documentation.
Direct experience with regulators, auditors, and other consultants in the industry.
Excellent analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions.
Strong interpersonal skills with solid credit, problem solving and decision quality skills.
Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone.
Ability to quickly assimilate and consistently implement existing credit policies and guidelines.
Ability to effectively lead, persuade, and guide the line of business.
Bachelor’s Degree in Finance or a related discipline.
10 years of banking experience
15 years in Commercial Lending and/or C&I credit experience.

Responsibilities

Lead all aspects of credit approval, reporting and monitoring for assigned business segments.
Review and approve loans under Delegated Lending Authority.
Work with Relationship Managers and, when necessary, Senior Management to structure credit facilities that protect the bank and meet the needs of the client, making sure policy exceptions are noted, properly mitigated, and that risk ratings are appropriate.
Pre-review loan presentations before submitting for further approval.
Assist Relationship Managers and analytical staff with deal structuring and underwriting.
Work closely with Relationship Managers and Senior Management to ensure overall portfolio credit quality, adherence to policy, and identification of risk meets the bank’s policy and risk appetite.
Identify developing trends in the loan portfolio and lending practices and provide recommendations accordingly.
Identify early warning signals (such as past dues, higher vacancies or extended asset conversion cycles) and take immediate actions.
Assist in developing and maintaining credit administrative monitoring and reporting systems, including supporting procedures and processes.
Assist in identifying product concentrations and other risk components to ensure that the loan portfolio is balanced in terms of risk parameters and profit expectations.
Provide input on tailoring credit products.
Work with leaders throughout to provide strategic directions for implementation.
Reviewing credit policies and procedures to ensure that they are up to date, reflect the risk appetite of the Bank, are relevant to the products that the Bank currently offers or intends to offer.
Assist in leading the credit role related to mergers and acquisitions, and subsequent loan portfolio and staff integration.
Actively drive overall bank strategy as an active member of the credit team.
Mentor and train business units, including analytical staff, as necessary.