Credit Risk Admin

COMMUNITY NATIONAL BANK•Midland, TX

1d•Onsite

About The Position

This role is responsible for preparing monthly board reports, organizing documents for exams, and interacting with external auditors. The Credit Risk Admin will review loan requests, input them into the Dynamic Application system for underwriting, and assign credit analysts. Responsibilities also include creating and monitoring covenant ticklers, and frequent interaction with lenders and lender assistants. The position requires staying up-to-date on banking laws, regulations, and company policies, and performing other projects as needed.

Requirements

A minimum of 3 years of combined related experience in a loan review, operations, or credit analysis capacity is required.
Strong Microsoft Excel, Word, and Outlook skills.
Capacity to learn and efficiently utilize various other computer programs including Premier Business Analytics and SageWorks.
Advanced level of knowledge with regard to lending policies and procedures, institutions specific lending guidelines, loan documentation, and collateral perfection issues.
Aptitude for objectively and independently evaluating risk in loan portfolios.
Demonstrating high quality judgment, organization, and prioritization skills.
Competent in analyzing large amounts of data and thinking independently.
Excellent written and oral communication skills.
Capability in handling sensitive and confidential information in a professional manner.
Sound working knowledge of accounting principles and financial statements.
Advanced analytical, technical, and statistical skills.

Nice To Haves

Ability to manage multiple projects and programs at the same time to complete work.

Responsibilities

Prepare monthly board reports for presentation to Board of Directors.
Prepare quarterly stress reports for presentation to Credit Oversight Committee.
Review loan requests and input into Dynamic Application to prepare for underwriting and assign a credit analyst to each loan.
Create covenant ticklers and monitor monthly as needed.
Monitor accounts receivable loan covenants and calculate borrowing bases to determine compliance.
Monitor financial covenants yearly to confirm they are completed and compliant.
Monitor other covenants as needed.
Work with lenders, lending assistants, and credit analysts to maintain compliance with loan covenants.
Review bank process ensuring compliance with relevant laws and regulations and uphold the written policy.
Provide essential information for analysis in determining the adequacy of the ACL.
Maintain regular and punctual attendance and work overtime as needed.
Work cooperatively and thoughtfully with other departments.
Perform other duties as required or assigned.