VP Credit Administration

American Bank & Trust - South Dakota•Sioux Falls, SD

6h•Onsite

About The Position

Provides leadership and oversight for the Loan Servicing and Appraisal teams, loan systems, and the consumer lending channel at American Bank and Trust. This role is accountable for team development, operational and regulatory risk oversight, and continuous process improvement. The Loan Operations & Systems Manager also serves as a key liaison across Credit Administration, Compliance, IT, Retail, Commercial, and Business Banking to ensure lending operations are efficient, compliant, scalable, and well controlled.

Requirements

Bachelor’s degree in business, Finance or Accounting, or equivalent combination of education and experience.
A minimum of 8 years of experience within banking or a related financial services field.
A minimum of 5 years of leadership or management experience.
Strong leadership, communication, and organizational skills.
Proven ability to lead through change.
Knowledge of lending processes, systems, regulations and policies.
Ability to interact with employees with tact, diplomacy, and confidentiality.
Resourceful, innovative, and well organized.
Ability to assess problems and/or unusual situations and develop logical solutions.
High level of integrity, professionalism, and ethical standards.
Must be a self-starter that can manage and prioritize multiple tasks in a fast-paced environment.

Nice To Haves

Preferred experience in Lending Operations, Credit, or Commercial Banking and/or Retail Banking.

Responsibilities

Provide direct leadership and oversight of the Loan Servicing and Appraisal teams, including staffing, performance management, training, and employee development.
Develop and maintain bench strength through cross-training, succession planning, and coaching.
Oversee exception reporting, operational quality, and trend analysis related to loan documentation and data quality, as well as appraisal/evaluation values.
Serve as a system administrator and subject matter expert for lending platforms.
Lead system upgrades, enhancements, and implementations, including testing, validation, training, and post-implementation support
Lead and manage operational projects and initiatives, with collaboration between key business partners. Improve borrower and lender experience through streamlined processes.
Identify, evaluate, and implement automation and efficiency opportunities to reduce manual processes, improve accuracy, and enhance scalability.
Provide operational oversight and support for the consumer lending channel, including leadership of system due diligence efforts and the development of a future centralized support model.
Support the Business Banking Assistant function by helping develop consistent processes and providing training support.
Provide oversight and coordination for key regulatory and compliance areas.
Serve as the primary operational lead for loan-related acquisition and conversion activities.
Ensure adherence to bank policies and procedures across areas of responsibility and throughout our lending channels.
Represents Bank in industry and professional associations, community organizations, local business groups, etc., and promotes Bank's favorable image.
Remains knowledgeable and abreast of industry trends.
Compliance with bank policies and procedures and federal and state laws/ regulations.
Other duties may be assigned.