Regional Senior Credit Administrator

Sunflower Bank NA•Plano, TX

just now

About The Position

At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank at sunflowerbank.com. Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Regional Senior Credit Administrator. Description: The Regional Senior Credit Administrator (RSCA) oversees the credit quality of the loan portfolio for the CRE business group (material multi-family and non-owner occupied properties in CA, TX, CO, AZ, NM, KS markets) and C&I transactions for a specific assigned region, as well as provide support for Bank’s other loan portfolios as required. The RSCA works with the Regional Presidents and lending personnel of the region to screen new loan applicants, approve loans, monitor current credits on the books for credit quality and tickler to ensure loans are accurately rated and financial/covenant and other tickler requirements are collected and in compliance with the loan requirements. The RSCA position also has direct oversight of assigned Credit Administrators, Credit Underwriters, Credit Analysts, and/or Portfolio Managers (PM).

Requirements

College Degree in Accounting, Business or Finance.
Significant experience in analyzing large, complex commercial credits.
Five (5) to ten (10) years of credit and people management experience in a financial field.
Proficiency in financial analysis, balance sheet, income statements and cash flow analysis.
Excellent oral and written communication.
Proficiency in computer skills necessary in a Window environment.
Ability to read and interpret legal writings/documents or prior legal training and/or experience.
Commercial Real Estate, Commercial & Industrial, Sponsor Coverage, and/or other industry lending experience required.
Knowledge of appraisals and USPAP requirements.
Knowledge of environmental requirements.
Time management skills.
Must be able to work flexible hours and travel.

Responsibilities

Screen potential new loan requests. This entails working with the Bankers to arrive at the correct loan structure for the borrower and assist with the analysis of the borrower if needed.
Communication with customers, accountants, and attorneys, as necessary.
Review formal loan requests and decision the loans in accordance with Bank’s policies.
Conduct Commercial Rolling Loan Review with the Commercial and Business Bankers to review past due credits, coming due credits, pipeline of loan requests, annual reviews, review the collection of financial and covenant requirements to ensure the borrower is in compliance with loan requirements, and other items as needed.
Recommend accurate risk ratings for all new and existing credits.
Conduct training with PM and lending personnel of the bank as needed.
Participate in committees or workstreams as needed to represent the credit function.
Act as a liaison with the OCC and/or loan review for the credits within the portfolio of assigned region.
Maintain working knowledge of legal requirements for properly documenting complex loans, perfecting security interests, and obtaining necessary documentation showing corporate customer’s proper authorization for entering binding loan contracts.
Monitor, evaluate and coach PM in portfolio management duties including, underwriting new opportunities; renewals; modifications; Annual and Interview Reviews; covenant testing.
Ensure the PM understand the lines of business they support, are challenged in their roles, and are meeting agreed upon goals and deadlines.
Confirm PM workflow is completed via monitoring of PM pipeline and holding PM Team meetings.
Responsible to ensure all regions/lines of business concerns are addressed and that assigned PM follows the Bank’s processes and procedures.
Responsible for adherence and consistency to Bank’s credit policy/underwriting standards via the credit approval presentation or any other credit action document.
Advocate for a collaborative/communicative/team-oriented credit administration culture throughout the Bank.
Ensure PM participates in the rolling loan review meetings, as required.
Ensure that asset quality of the assigned loan portfolios is maintained to Bank’s standards and adhere to speed to market expectations on credit approval presentations/other credit action documents.
Ensure annual training for all PM- to stay abreast with underwriting standards, etc.