SVP, Credit Administrator - Middle Market

About the role

The Credit Administrator provides credit oversight through initial and periodic credit reviews and evaluation, loan structuring, and engagement with legal counsel for an assigned portfolio of commercial borrowers. This role is responsible for reviewing and approving loan submissions within the designated credit approval authority. Credit products include, but are not limited to, C&I working capital revolvers and term loans, asset based loans, owner occupied real estate, ACH lines, HOA loans, and ad hoc structured loans to support other areas of the bank’s product offering.

Responsibilities

• Work closely with business units including team managers, credit underwriting and portfolio managers to review and evaluate new credit proposals, amendments, and renewals for a portfolio of commercial borrowers while focusing on the quality and analysis of the credit presented
• Approve proposed extensions of credit within authorized loan limits
• Develop alternative strategies on credits through a collaborative effort with business units
• Review pipeline, maturities, and delinquency reports and engage business units for appropriate action
• Engage with credit portfolio management to monitor and manage the risk of a portfolio of commercial borrowers
• Avoid periodic loan reviews and confirm the accuracy of the risk rating
• Provide guidance on credit issues including proper structuring, early detection of problem loans to business units through thought leadership and coaching
• Absorb and manage problem loan credits
• Collaborate with business units and engage with legal counsel on the documentation of loan transactions
• Proactive in understanding industry, market, and borrower trends to manage the credit risk of an assigned product which could lead to proposing updates to credit policies, guidelines, and procedures
• Coach and mentor team of direct reports
• Develop and maintain key performance metrics
• Work to build and streamline business processes and policies in support of the middle market division

Qualifications

• Bachelor's degree
• 12+ years' related experience
• Advanced knowledge of commercial credit framework, and basic commercial credit legal documentation principles
• Superior Credit Analysis skills
• Completion of a formal Credit Training Program at a major financial institution
• Ability to use core Microsoft Office programs and applications such as Word and Excel with ease
• Ability to work in a team environment