Credit Administration Officer
Position Summary
The Credit Administration Officer is responsible for supporting the Bank's credit administration function through portfolio monitoring, credit governance coordination, credit quality reporting, commercial construction draw oversight, training coordination, and regulatory examination readiness activities. This position serves as a key liaison between business banking, credit administration, special assets, and executive leadership to promote sound credit practices, enhance portfolio quality, and support the Bank's ongoing growth and risk management objectives.
Essential Duties and Responsibilities
Credit Administration & Governance
-
Support administration of commercial, agricultural, construction, consumer, and specialty lending credit processes.
-
Assist in maintaining consistent application of credit policies, underwriting standards, and credit administration procedures.
-
Monitor policy exceptions and track corrective action plans.
-
Support risk rating governance through reporting, monitoring, and follow-up activities.
-
Coordinate watchlist reporting, portfolio reviews, and related action item tracking.
-
Work closely with Special Assets on reporting and documentation needs involving problem credits.
-
Assist with preparation for regulatory examinations, loan reviews, and independent credit reviews.
Credit Quality & Portfolio Monitoring
-
Monitor criticized, classified, special mention, and watchlist credits.
-
Assist with ongoing analysis and reporting of portfolio quality trends.
-
Track risk rating migration and support initiatives to improve risk rating accuracy.
-
Monitor concentration risks, emerging portfolio concerns, and large credit relationships.
-
Support financial analysis, cash flow analysis, stress testing, and guarantor assessment standards.
-
Assist management in identifying and mitigating credit risk exposures across the portfolio.
Training & Development Coordination
-
Coordinate and administer structured credit training programs for lenders, analysts, market presidents, and other lending personnel.
-
Support development and maintenance of annual credit education plans.
-
Organize Credit Chalk Talks, portfolio review sessions, case study workshops, examiner readiness training, and annual credit school programs.
-
Track training participation, completion rates, competency assessments, and effectiveness measures.
-
Partner with Human Resources to support onboarding and ongoing employee development initiatives.
-
Promote a consistent credit culture and continuous learning environment throughout the organization.
Commercial Construction Draw Monitoring
-
Monitor commercial construction loan draw activity for completeness and compliance with approved loan terms.
-
Track draw requests, inspections, lien waivers, title updates, budget variances, contingency usage, and borrower equity contributions.
-
Maintain construction draw monitoring logs and exception tracking reports.
-
Escalate unresolved documentation deficiencies, budget overruns, or approval concerns to appropriate management.
-
Support examination readiness and documentation quality for construction lending activities.
Reporting & Management Support
-
Prepare and maintain Credit Administration Dashboard reporting.
-
Monitor and report trends involving:
-
Criticized and classified assets
-
Risk rating migration
-
Policy exceptions
-
Past due loans
-
Construction draw exceptions
-
Training metrics and completion rates
-
Assist executive management with portfolio monitoring reports and special projects.
Qualifications
Education & Experience
-
Bachelor's degree in Finance, Accounting, Agricultural Economics, Business Administration, or a related field preferred.
-
Minimum 5-10 years of experience in commercial banking, credit administration, lending, loan review, underwriting, or portfolio management.
-
Strong knowledge of commercial, agricultural, consumer, and construction lending.
-
Experience with regulatory examinations, risk rating systems, and credit administration processes preferred.
Knowledge, Skills & Abilities
-
Strong understanding of credit analysis, cash flow analysis, financial statement interpretation, loan structuring, and portfolio management.
-
Knowledge of banking regulations and regulatory expectations related to credit administration.
-
Excellent organizational and project coordination skills.
-
Strong analytical and problem-solving abilities.
-
Ability to communicate effectively with lenders, analysts, executives, auditors, and regulators.
-
Proficiency with banking systems, reporting tools, spreadsheet applications, and credit administration technology.
-
Ability to manage multiple priorities while maintaining attention to detail and accountability.
Key Performance Indicators (KPIs)
-
Timeliness and accuracy of credit administration reporting.
-
Reduction of unresolved policy exceptions.
-
Improvement in risk rating accuracy and governance compliance.
-
Criticized and classified asset monitoring effectiveness.
-
Construction draw exception management and documentation quality.
-
Training completion and participation rates.
-
Examination readiness and audit findings resolution.
-
Support of portfolio quality initiatives and risk mitigation efforts.
