Credit Administrator I

4 weeks ago


Vancouver, Washington, United States RIVERVIEW Full time
Credit Administration Role

This position plays a crucial part in the credit administration and loan quality functions of Riverview Bank's entire loan portfolio and the loan origination process. Loan quality encompasses credit reviews before and after loan origination, and monitoring credit quality of the loan portfolio to ensure minimum losses.

The role participates in credit administration operations, including loan and lending practices, construction monitoring, appraisal management, credit standard maintenance, and special project management. Provides technical advice and review of mortgage, consumer, and commercial loan portfolios for quality, accuracy, regulatory compliance, and credit worthiness. Offers leadership to the departments involved in credit decisions, supporting overall growth and development of Riverview Bank.

Lending Support

-Provides advice, guidance, technical expertise, reports, and consultation to lending & senior officers.

-Participates in overseeing and improving internal and external Loan Examinations, Internal Asset Review, Loan Grading Process, and all lending support programs.

Loan Quality

Credit Review & Loan Quality

-Monitors credit quality of the loan portfolio to ensure minimum losses through the lenders and loan officers.

-Reviews loan memorandums and approvals above lender limits for completeness and quality.

-Ensures that loans made are reported and approved according to the bank lending policy, and within prescribed lending limits.

-Identifies potential problem credits and works with loan officers and loan workout specialists to restructure the credit and/or minimize losses.

Credit Approvals

-Assists in the review and processing of loans over prescribed limits as warranted.

Auditing

-Assists Loan Administration in the loan examination function.

-Assists Loan Administration in Monitoring the accounts receivable auditing program and ensures timely completion of audits.

Other

-Assists Loan Administration in evaluating loan portfolios, internal policy controls, and overall loan management.

-Assists Loan Administration in analyzing industry trends, evaluating loan policies, and unique loan situations.

-Reviews and updates new and existing loan files for Riverview Bank on a regular basis.

-Follows all state and federal laws and Riverview Bank policies and procedures.

RELATIONSHIPS

-Regular contact with Sr. Credit Administrator, Chief Credit Officer, and lending department to ensure credit standards are being maintained.

-Regular contact with representatives of businesses who provide necessary confirmation, documentation, etc., of various types of loan-related information (i.e., title companies, insurance companies, construction companies, and various government agencies).

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