SVP, Credit Administrator

Poppy Bank•Santa Rosa, CA

6d•$175,000 - $225,000

About The Position

Incumbent is responsible for helping manage the overall credit administration function and the daily administration of the bank’s credit activities by assisting and supporting the Chief Credit Officer. Supports the Chief Credit Officer in the preparation of monthly credit reports, data review and board reports. Helps identify emerging weaknesses in the loan portfolio through the preparation and/or review of problem loan reports, covenant compliance reports, and annual CRE reviews. Ensures compliance within all Bank policies and procedures, as well as all applicable state and federal banking regulations.

Requirements

Bachelor’s degree in business or related field preferred
Minimum 10-years’ experience with a focus in one or more of the following areas: Credit Risk Management, Credit Administration, Loan Work and Commercial Real Estate & Business loan underwriting experience
Minimum 5 to 7 years supervisory experience
Strategic thinker capable of analyzing information/processes to determine overall trends and provide appropriate conclusions and recommendations
Excellent knowledge of credit risk management, industry trends, and applicable federal and state banking regulations
Proficient in the following software applications: MS Word, Excel, Outlook
Excellent written and verbal communication
Ability to multi-task in a fast-paced environment

Responsibilities

Manage conventional and SBA credit managers and underwriting staff
Review and evaluate proposed new and renewal extensions of credit for commercial borrowers paying particular attention to the quality and analysis of the credit presented
Serve as the primary point of quality control on credit underwriting ensuring that the underwriting process is efficient and effective
Develop through a collaborative effort with loan officers, alternative strategies to address complex or difficult credit situations
Maintain, update, and review the Loan Policy and provide periodic memorandums for board review and approval
Review and help prepare quarterly watch and problem loan reports
Review and help prepare loan portfolio management reports including past due, loan policy exceptions, and industry concentrations
Help perform portfolio-level analytics and stress testing to identify risks within the loan portfolio including industry, concentration, and market risks
Work with Construction Loan Management to help identify projects that have been delayed, have incurred notable change orders, and/or have had mechanic liens recorded
Provide day-to-day assistance, guidance, or additional detailed to Executive Management across a broad spectrum of credit issues
Assist and support the Chief Credit Officer for external credit reviews and regulatory examinations
Assist with Special Assets, liquidations, and ORE property as needed
Ensure compliance with applicable laws and regulations with respect to the loan portfolio
Act as secretary for Director Loan Committee and accordingly prepare minutes
Minimum of 10 hours CRA volunteer hours per year. Volunteer hours are typically scheduled within business hours. This is compensable time and mileage is reimbursed
Other duties as assigned