Credit Administrator Commercial Lending VP

4 weeks ago

Sacramento, United States First Northern Bank of Dixon Full time
Job DescriptionJob Description

The Credit Administrator is responsible for evaluating and affirming/declining credit requests for assigned commercial lending units that include CRE, C&I and Ag. Responsibilities include monitoring the credit quality of assigned portfolio to ensure that established risk parameters are being adhered to, ensuring compliance with all regulatory and credit policies of the Bank, providing guidance to Lending Officers in managing credit risk and assisting with the development of underwriters, credit analysts and any other colleagues involved in the evaluation of credit. This position will also evaluate the effectiveness of portfolio management, behavioral monitoring, and reporting by the 1st Line.

Responsibilities Include

  • Evaluates and examines credit requests to assess credit worthiness including loan quality, credit risk classification, loan structure, collateral analysis, pricing and adherence to Bank policies. Approves or declines credit requests within assigned authority. Analyzes and recommends approval/declination of credit requests which exceed assigned authority to next level of delegated authority as appropriate.
  • Reviews and assesses completeness, accuracy, and usefulness of established credit policies and procedures. Recommends Credit Policy changes for approval by the appropriate Management or Board committee and oversees implementation of changes following Credit Policy updates to procedures and processes where appropriate. Ensures that all loans comply with established policies and procedures.
  • Periodically reviews the loans portfolio reporting with assigned Teams or products to ensure appropriate loan classification/risk trend. Monitors the quality of the loan portfolio and exposures. Brings concerns to the attention of the Loan Officer and provides guidance in developing plans for appropriate action in order to ensure quality portfolio management.
  • Actively participates in evaluating all adversely classified credits or relationships and recommends or approves action plans, within delegated approval authority, intended to remedy credit situations experiencing temporary financial distress. Works with Loan Officers responsible for identifying alternatives to resolve problem loan situations, ensures accuracy and completeness, and opines on appropriateness as necessity arises.
  • Participates in Loan Review and Compliance exit reviews and ensures that corrective actions are taken to cure exceptions and further to prevent reoccurrence. Reviews appropriate reports for assigned Teams or products to monitor delinquencies, accrual exceptions, and overdrafts.
  • Provides support to ensure compliance and consistent execution with all applicable laws, regulations, regulatory guidance, and administrative duties.
  • Complies fully with all bank risk management, operational and credit policies and procedures as well as all regulatory requirements (e.g., Bank Secrecy Act, Know Your Customer, Community Reinvestment Act, Fair Lending Practices, etc.)

What You’ll Need to be Successful

    • Accuracy and Thoroughness –Strong attention to detail
    • Analytical Skills – Must have strong problem-solving and critical thinking skills
    • Communication – Must speak and write clearly and persuasively in all situations; Ability to listen, get clarification, and respond well to questions
    • Compliance – Must adhere to Bank policies and regulations
    • Innovation –An original thinker who brings creativity to dealing with work problems and opportunities, meeting challenges with resourcefulness

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Bachelor’s degree in business or related field preferred or equivalent combination of education and experience.
  • Minimum 5 years of commercial credit decisioning and portfolio management experience required.
  • Ability to critically think and define problems, collect data, establish facts and draw conclusions, with support for same
  • Experience with Abrigo and FISERV or other similar systems preferred.
  • Advanced skills utilizing Microsoft Excel with experience in Outlook, Work and PowerPoint

Why You Should Apply

  • Full-time position with excellent compensation and benefits package
  • Generous time off programs
  • Bonus program
  • Profit-sharing
  • Discounted stock purchase program
  • Excellent growth and development opportunities
  • And much more

Pay Range (Salary): $160K -- $195K/year

The purpose of this job description is to provide a summary of duties related to the position. It is not intended to be all-inclusive. The employee will perform other reasonable business duties as assigned by supervisor or other management.

First Northern Bank does not discriminate based on race, color, religions, sex, gender identity, age, national origin, marital status, pregnancy, disability, or any other protected status.

The duties outlined in this description are subject to modification or change by the organization, at any time, with or without notice.

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