SVP Credit Administration

The Park Bank•Fitchburg, WI

3d•Hybrid

About The Position

Park Bank is hiring a SVP Credit Administration. This role is responsible for leading the operational and administrative functions of the bank’s credit area within a community banking environment, including oversight of the Underwriting and Credit teams. This role manages data integration and analysis to support independent credit risk assessments, ensures compliance with regulatory and IT requirements, and provides reporting and insights to executive leadership and the Board. The SVP will evaluate credit quality through portfolio analysis and individual credit reviews, assess borrower financial performance, support audits and special projects, and contribute to the development and implementation of policies, procedures, and process improvements.

Requirements

Associate’s degree or post-secondary classes/degree. Equivalent experience will also be accepted
Minimum 5-7 year’s related experience; or equivalent combination of education and experience

Nice To Haves

Bachelor’s degree in business or related field

Responsibilities

Manage the monthly data file retrieval and integration necessary for the bank to perform its core function and perform its regulatory mandate of performing a fully independent analysis of credit risk
Source credit files and related portfolio data from internal systems and other information from various sources to provide pertinent trends in data that will provide a quantitative foundation for the banks review sampling and portfolio-level assessments, including Risk Assessments
Ensure all the bank’s data touch points are in full compliance with all federal and local IT protocols and requirements
Provide data analysis and ad hoc reporting support to the board of directors and executive management
Continue the development of existing work paper platform to make it more efficient and less intrusive to customers
Ensure the bank is compliant with all data and systems policies and requirements
In the course of performing individual credit reviews, use professional expertise to opine on the adequacy of facility underwriting and documentation, including, but not limited to, collateral, repayment sources, risk appetite, leverage, enterprise valuations, discounted cash flow analysis
Evaluate borrower financial performance through the assessment of financial statements and credit risk metrics, including income statement, cash flow statement, balance sheet and capital structure analysis. Evaluate the financial performance against all base and stress-scenario financial projections as required
Maintain a thorough understanding of the bank’s compliance rules and regulations in accordance with the directives of the board of directors and executive management team