Overview:
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Licenses/Certifications
The Credit Administration Manager is responsible for overseeing the analytical functions of the Bank’s loan portfolio. This includes managing the quarterly Allowance for Loan and Lease Losses (ALLL) process, monitoring lending against investments, and ensuring compliance with internal policies and regulatory standards.
Responsibilities:
- Manage pledging activities with the Federal Home Loan Bank and Federal Reserve.
- Perform the Allowance for Credit Losses analysis (CECL) on a quarterly basis.
- Monitor overall bank loan quality, repayment activity and collection efforts.
- Identify troubled loan modifications and ensure that credit file administration is complete and consistent with loan policy.
- Prepare board-level reports, evaluate loan systems and recommend policy enhancements.
- Collaborate with Relationship Managers, Special Assets and Legal on classified loans, and assess various commercial credit types.
- Assist the Head of Credit Administration overseeing regulatory monitoring (e.g., Reg O)
- Partner with Business Intelligence to develop reporting databases to support portfolio management processes.
- Support ad-hoc projects and liaise with internal and external auditors and examiners.
Education/Experience:
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 5+ years in Credit Administration or financial operations.
- Prior leadership or supervisory experience in a credit or lending environment.
- Working knowledge of credit and financial analysis, including Cash Flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis.
Combination of education and experience will be considered.
Skills & Competencies
- Prior accounting experience with exposure to audit, risk, or financial reporting in banking or credit environment.
- Must possess strong credit skills and be knowledgeable of credit policies.
- Must be familiar with Commercial & Industrial credit underwriting policies.
- Must be able to perform credit risk portfolio assessments in a thorough and timely manner.
- Must be well versed with regulatory compliance requirements, as well as Accounting Standards Codifications as they pertain to loans.
- Must have excellent organizational, interpersonal, written and verbal communication skills.
- Computer proficient in MS Software, (e.g. Excel, Word, and Outlook).
Preferences
- Familiarity with systems like Abrigo, Moody’s, or similar credit risk platforms.
Licenses/Certifications
- CPA (Preferred)
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