Senior Credit Risk Manager

4 weeks ago


Irvine, California, United States Pacific Premier Full time

Credit Administrator Job Description

The Credit Administrator plays a crucial role in reviewing and approving or declining credit requests for new and existing borrowers within the delegated lending authority. This position requires maintaining delegated lending authority, which is the second highest level in the bank, with a significant impact on both growth and quality, affecting the bank's performance and financial condition.

Key Responsibilities:

  • Evaluate and examine credit requests to assess credit worthiness, including loan quality, credit risk classification, loan structure, collateral analysis, and adherence to bank policies.
  • Approve or decline credit requests within assigned authority and analyze and recommend approval/declination of credit requests that exceed assigned authority.
  • Review financial spreads and associated financial statements and notes to determine the degree of attention required, identify potential credit problems, and ensure conformity to company lending policies and practices.
  • Provide mentoring and feedback to the credit and sales team to foster growth and development in the art and science of lending.
  • Collaborate with Regional Portfolio Directors, Credit Managers, Portfolio Managers, Regional Presidents, and Relationship Managers on credit matters and loans.
  • Actively use the bank's CRM system to communicate deal status updates and other Sales and Credit communication.
  • Appropriately risk grade all loan approvals to ensure minimal grade changes in internal or regulatory loan exams.
  • Identify current and emerging problem loan situations contained within submissions reviewed.
  • Ensure that loan portfolios adhere to the bank's policies and procedures.
  • Participate in training for the Credit staff and perform pre-qualification assessment and analysis of financial condition, structure, and risk of financing requests.

Requirements

  • Minimum 15 years of experience in the banking industry required.
  • 10+ years of experience in Credit Administration and Portfolio Management required.
  • Considerable experience in a wide variety of loan types and complexities with ability to analyze credits and detailed knowledge of lending structure and cash flow analysis.


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