CREDIT ADMINISTRATOR

Description/Job Summary

Assist in the overall credit management of the bank including, but not limited to, assisting Senior Management in ensuring the accuracy of loan requests, developing and maintaining appropriate policies and procedures for efficient and consistent underwriting, and preparation of board and management reports.

Responsibilities/Duties

1. Prepares and ensures the integrity of management and Board reports as required, including preparation of CECL narrative;
2. Reviews the data integrity of the Bank's loan accounting system and makes recommendations for improving data integrity;
3. Assists in reviewing loan underwriting and supporting documentation, included in loan evaluations submitted for approval, to ensure accuracy and integrity;
4. Researches regulatory mandates as requested to help determine optimal procedures within the Bank;
5. Assists in developing and authoring Bank loan policy and procedures;
6. Serves as Secretary of Senior Loan Committee;
7. Understands/ becomes familiar with Bank's existing software systems, relative to application, underwriting, documentation preparation, delivery, booking, disbursement, and reporting;
8. Assists in maintaining and administering loan management systems including Bukers, Suntell, DecisionPro, Co-Star, Lexis Nexis, etc;
9. Ensures that credit analysis requests for the agricultural and commercial credit analysis groups are completed timely, that these groups are adequately staffed, assignments are rotated, and that billing for these groups' services is accurate;
10. Assists the Senior Loan Officer Group in the management of bank OREO properties and force placed insurance;
11. Leads/assists in various projects as assigned;
12. Regular and reliable attendance;
13. Performs other related duties as assigned by management.

Preferred Skills

• Strong PC and data query skills are required;
• Strong problem-solving and analytical skills;
• Ability to communicate effectively with management and co-workers.
• Ability to maintain a high level of confidentiality; and
• Ability to function as a team player and leader.

Preferred Experience

• Three or more years of experience, with a good understanding of a bank's loan process from application through delivery and reporting.
• General knowledge of bank lending policies and procedures;
• General knowledge of management practices and principles;
• General knowledge of banking laws and regulations;
• General knowledge of loan underwriting and approval procedures;
• Working knowledge of Microsoft Office suite including Word, Excel, Access, etc.;
• Have a working knowledge, or gain a working knowledge soon after appointment, of the bank's various software systems;
• Knowledge in basic loan accounting;

Required Education

Details

We offer fair and competitive compensation as well as bonus based on an employee's years of service and possible discretionary merit bonuses. Employees also have the opportunity to participate in the Bank incentive programs based on charter/branch guidelines. Other benefits include:

• 8 paid holidays
• 17 PTO days each year for the first five years of employment. Employees must also complete the 90-day introductory period prior to accruing PTO.
• New employees will receive 12 hours of paid sick time upon their hire date
• After five years, 22 PTO days each year
• Health, dental, prescription drug card, vision, and voluntary life insurance plans
• Health Savings Account with employer contributions
• Flexible medical and dependent care spending plans
• Parental Leave after one year of full time employment
• 401K plan after 3 months and start of next quarter with employer contributions and profit sharing
• Free checking account and basic printed checks
• Free safe deposit box
• $15,000 group term life insurance
• Long term disability insurance
• Employee Assistance Program
• Educational Assistance