Credit Administrator

Summit Bank•Portland, OR

23h

About The Position

The Credit Administrator confirms sound loans, complete documentation and analysis, and implementation of credit-related business plans in accordance with the bank’s overall objectives. The role 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 ensure appropriate ratings within the bank’s loan portfolio. Working closely with the Chief Credit Officer, the Credit Administrator identifies credit risks and opportunities to improve efficiency in the bank’s credit processes and develops solutions to address them. The position is responsible for underwriting and loan-policy conformance or appropriate mitigations, completing and approving credits within authorized limits, supporting the Equipment Finance Group’s approval process and administering its loan compliance and documentation, and assisting lending units with loan structuring and pre-flight reviews. It also manages specified risk and special-asset responsibilities, supports the Board Loan Committee, and monitors local credit-market and competitor information. This is an exempt, full-time position scheduled Monday through Friday, 8:30 a.m. to 5:30 p.m. The position reports to the Chief Credit Officer.

Requirements

Bachelor’s degree in finance, accounting, business administration, or a related field.
At least five years of related experience 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 the ability to provide leadership, supervision, and employee training using positive supervisory techniques; demonstrated organization and delegation skills.
Intermediate personal computer skills, including word processing, spreadsheets, and specialty software; intermediate keyboarding skills.
Exceptional verbal, written, and interpersonal communication skills, including the ability to apply common sense to instructions, train personnel, prepare reports and correspondence, and communicate clearly with clients, colleagues, directors, and shareholders.
Thorough understanding of management procedures and the ability to plan department and bank activities, set objectives, develop strategies and budgets, develop policies and procedures, staff and develop employees, direct work, and measure and control performance.
Ability to handle complex problems involving multiple facets and variables in non-standardized situations.
Ability to work without supervision while performing duties.

Nice To Haves

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

Responsibilities

Underwrite loan requests and ensure conformance with Loan Policy or appropriate mitigations; complete and approve credits within authorized limits and provide satisfactory turnaround times.
Assist with the Equipment Finance Group credit approval process and manage its loan compliance and documentation administration.
Assist lending units with loan structuring and pre-flight reviews of loan requests.
Train new lenders and associates on bank policies and procedures.
Manage the OR EO and special assets for the Bank; direct quarterly status updates and documentation for impairment analysis, and review loans for TDR status.
Staff the Board Loan Committee, including scheduling meetings, providing agendas and supporting documentation, reviewing meeting minutes, and providing relevant information and training to committee members.
Understand the local credit market and competitors and share 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 file systems so documents are accessible, consistent, and complete.
Assume responsibility for department functions when colleagues are absent or workloads are high.
Provide respectful, ethical, and dependable service to internal and external clients.
Follow policies and procedures, complete administrative tasks accurately and on time, and support bank profitability through cost controls and expense monitoring.
Use sound judgment, identify opportunities and problem areas, perform work safely, report potentially unsafe conditions, and follow established schedules.
Perform other duties as assigned.