Credit Administrator

Essential Duties and Responsibilities

• Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
• Provide, present, and promote The Citizens Experience to all external and internal customers.
• Critique Reports of Credit Extended on loan requests submitted for approval by branch loan officers.
• Aid branches/departments in structuring new and renewed loan requests: Perform personal cash flow analysis and spreadsheets, check for accuracy, and correct if necessary.
• Approve loans within delegated approval authority or recommend loans for approval exceeding these limits.
• Prepare inter-office memos advising branches of loan approval conditions or reasons for declines.
• Review Reports for Credit Extended for loans approved by the branch for policy or technical deficiencies, loan quality, and assign an appropriate loan grade.
• Prepare internal memos citing policy exceptions or weaknesses found in each loan request.
• Review weekly delinquency reports and work diligently with branches in their collection strategies.
• Aid Senior Management with seriously delinquent loans and OREO's as required.
• Attend monthly DLC meetings and discuss new and renewed loans, delinquent loans, and any adversely rated loans.
• Review real estate appraisals and prepare an appraisal review form.
• Review customer files requiring annual term loan financial statement/tax return updates and recommend loan grade changes if appropriate.

Qualifications

• Fifth year college or university program certificate; or two to four years related experience and/or training; or equivalent combination of education and experience.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts of basic algebra and geometry.

Reasoning Ability

• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to deal with problems involving several concrete variables in standardized situations.

Physical Demands

• Sit and talk or hear.
• Occasionally lift and/or move up to 10 pounds.

Work Environment

• The noise level in the work environment is usually moderate.

Pay

Salary Range: $191,292.00 To $286,938.00 Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.