Credit Administrator
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About The Position
This position reports to the Sr. Credit Officer and is responsible for reviewing approving, declining, or recommending commercial credit applications within assigned approval limits while maintaining risk exposure consistent with bank loan quality guidelines. Monitors quality and performance of portfolio(s) and advises line partners on strategies to protect bank capital. Develops partnerships with other business line leaders for mutual goal attainment and coordination on mutual priorities. Collaborate with bankers to develop high quality loan portfolios and service client relationships. Review, approve, decline or recommend credit facilities. Administer and review loans and loan commitments within assigned authorities. May contribute to the development of credit policies, processes, and methodologies. Oversee the management of delinquent loans, ensuring that bankers are making appropriate contact with past due accounts. Oversee completion and accuracy of monthly past due-loan reports and problem loan reports by bankers and ensures timely submission to Credit Quality Administration. Monitor and verify risk rating accuracy on delinquent loans and those submitted for approval. Advises bankers on the risk rating process and ensures timely documentation of migrations. Review credit recommendations for accuracy and coaches the banking staff in the development of complete, accurate and well-structured credit recommendations. Provide guidance and advice to the banking staff on financial analyses, loan structuring and other credit recommendations. Ensure lending staff is aware of all relevant changes in credit requirements. Engage with external clients, prospects, and banking staff providing experienced perspective regarding risk identification, mitigation, and loan structuring. Provide strong and consistent credit leadership. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training. Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other regulations as applicable to this job description. May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become 'The Business Bank of Choice.'
