Senior Credit Administration Analyst

Farmers and Merchants Bank of Long Beach•Lakewood, CA

About The Position

The Senior Credit Administration Analyst is responsible for preparing and enhancing credit and loan portfolio reporting and analysis. Responsibilities include conducting data integrity, balancing reports and preparation of summary memorandums. This position requires experience working on complex datasets, reporting software and a natural attention to detail and ability to recognize data trends.

Requirements

Advanced knowledge of Microsoft Excel
Proficiency with Microsoft SQL Server
Proficiency with Microsoft Power BI
Comfortable with contributing to data warehousing and data pipeline discussions
Willing and able to learn new data and analytic tools as required
Python and relevant data and analytic packages (e.g., numpy, pandas, etc.)
IBM Cognos
Jack Henry, Abrigo, Laserfiche
Making recommendations for adoption of new data and analytic tools.
Prior experience working for a Bank or other financial institution.
Strong computer and strong organizational skills.
Active interaction & contribution within team environment.
Strong customer service skills with both internal & external customers.
Ability to perform multiple tasks.
Ability to travel to training facilities.
Familiarity with existing Credit Policy Manual and Lending Procedures Manual.
Understand function and utilization of F&M Loan Forms.
Working knowledge of Lending Regulations, Loan Documentation and Loan Servicing Procedures.
Familiarity with Bank Products & Services and Policies & Procedures (Operations/Lending).
Bank Secrecy Act (BSA)
Fair Housing Act
Real Estate Settlement Procedures Act (RESPA)
Regulation AA (Unfair or Deceptive Acts or Practices)
Regulation B (Equal Credit Opportunity)
Regulation BB (Community Reinvestment Act)
Regulation C (Home Mortgage Disclosure Act - HMDA)
Regulation CC (Expedited Funds Availability Act)
Regulation E (Electronic Funds Transfer Act)
Regulation H (Flood Insurance)
Regulation O (Loans to Executive Officers, Directors, and Principal Shareholders)
Regulation P (Privacy Act and Safeguarding Customer)
Regulation U (Governs Margin Securities)
Regulation X (Real Estate Settlement Procedures Act – RESPA)
Regulation Z (Truth in Lending Act)
Regulation DD (Truth in Savings)
Customer Identification Program (CIP) / US Patriot Act
Uniform Commercial Code (UCC)
California Civil Code
Fair Credit Reporting Act (FCRA)
Fair Debt Collection Practices
FDIC Insurance
FIRREA (Financial Institutions Reform, Recovery, and Enforcement Act)
S.A.F.E. Act (Secure and Fair Enforcement for Mortgage Licensing Act)
Strong Written/Verbal Communication
Clear understanding of the English Language (Spoken & Written)
Telephone Skills
Microsoft Office Products (Excel, Word, Outlook, PowerPoint)
Laserfiche imaging application
Jack Henry & Associates core operating system
Core understanding of Loan Documentation & Procedures Manual
Basic Mathematics Skills
Customer Service Skills
Strong typing skills
Effective time management
Strong organizational skills
Critical Thinking, Judgment & Problem Resolution Skills
Ability to actively listen & learn
Interpersonal Skills / Ability to respectfully communicate with Supervisors and Co-workers / Ability to effectively deal with unpleasant, angry or discourteous people
Requires sitting for prolong periods of time.
Requires lifting up to 15 lbs.
Bachelor's Degree or equivalent
3 – 5 years report data analysis experience
3 – 5 years of report writing experience

Responsibilities

Management of commercial real estate stress test model and responsible for preparation of quarterly reports to include ad hoc analysis of output.
Responsible for preparation and distribution of various weekly, monthly and quarterly loan portfolio reporting to include Loan Concentrations, Credit Policy Exceptions and Special Assets.
Prepare cover memos as necessary to identify trends and present findings to Credit Administration Management.
Responsible for the production of automated reports and troubleshooting as necessary to ensure recurrence.
Analyze and review current reporting to evaluate effectiveness and potential for data enhancements.
Write and maintain related processes and procedures.
Maintain a repeatable and documented validation process for assigned reports.
Identify and present any new or updated reporting needs to enhance portfolio management to Deputy Chief Credit Officer and/or related Committees.
Participate in various credit-related committee meetings as necessary as the data expert and to remain informed about the loan portfolio and any reporting enhancements or new requirements.
Provide guidance and support for various processes and functions associated with the overall administration of credit within the Bank.
Produce and prepare ad hoc reports as necessary for Credit Administration and related stakeholders.
Train existing or new staff on reporting function to create redundancy within the Department.
Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security and privacy requirements. This position will elevate suspicious activity to supervisory staff and/or BSA department. Completes compliance and other technical training workshops as assigned.
File Review
Data mining