Credit Administrator

Job Purpose

Provides advanced administrative, analytical, and operational support to the Senior Credit Administrator while independently executing key components of the Bank’s Credit Administration function. Supports effective credit risk management by administering standardized processes, ensuring data integrity, and facilitating proactive portfolio monitoring and reporting. Plays a critical role in the credit and risk governance activities, including committee coordination, Audit and examination readiness and loan modification reviews.

Job Duties

• Provides advanced administrative, analytical, and operational support to the Senior Credit Administrator. This includes but is not limited to the following timely and accurate preparation and supporting activities for various credit/risk committees, including assembling packets, recording meeting minutes, and concisely memorializing follow up actions.
• Independently manages the loan modification review process, exercising sound judgment to interpret credit approvals and supporting documentation, assess regulatory and policy implications to validate whether modifications meet Significantly Modified Loan criteria and present findings to senior leadership and committees.
• Collaborate cross-functionally with Loan Operations, Credit, and Finance/FAR teams to ensure accurate classification and reporting of loan modifications. Maintain a high level of attention to detail and analytical rigor due to the complexity of interpreting loan data, credit memos, and policy requirements within tight reporting timelines.
• Analyze loan documentation and credit files to proactively identify potential audit findings, control gaps, or policy exceptions that may require mediation.
• Communicate identified risks, concerns, and recommended mitigation strategies clearly and effectively to senior leadership, enabling informed decision-making.
• Audits risk rating accuracy post Account Status Change request approvals.
• Periodically confirms loan coding accuracy and completeness (NAICS and property type) through reporting review and oversight. Assists Senior Credit Administrator with various credit risk research, reporting, and monitoring responsibilities related to financial statement collection effectiveness, borrowing base monitoring and covenant tracking management and oversight, and other key risk monitoring activities.
• Performs special projects as assigned.

Education, Job Skills and Qualifications

• Bachelor’s degree or equivalent work experience.
• Multiple years of commercial banking experience preferred.
• 3+ years of commercial credit administration experience with emphasis in loan documentation and portfolio monitoring.
• Highly organized and attentive to detail.
• Solution oriented.
• Strong verbal and written communication skills.
• Strong problem-solving skills.
• Proven ability to exercise sound judgment.
• Current on applicable banking laws, regulatory requirements and credit/risk management practices.
• Proficient with the Microsoft suite of products and commercial loan origination system software platforms.

Basic Qualifications

• Bachelor’s degree or equivalent work experience.
• 3+ years of commercial credit administration experience with emphasis in loan documentation and portfolio monitoring.