Position Function:
Works with assigned areas (commercial and retail) to quickly and accurately evaluate loan requests from existing and prospective clients to make sound credit decisions. Works closely with Line of Business Managers and Relationship Officers by getting involved early in the due diligence process to help identify key issues and to ensure that loans are made in accordance with bank credit policies and regulatory requirements. Proactively organizes and/or conducts training sessions to develop and refine the credit skills of the Relationship Officers and Underwriters and will also be responsible for updating assigned credit policies, procedures, and projects.
The Senior Credit Administrator may oversee staff and serve on the Management Loan Committee.
Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness.
Primary Accountabilities:
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Approve or recommend action on loan requests ensuring that each transaction meets regulatory requirements, bank credit policies, underwriting standards and portfolio/concentration objectives.
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Ensure that underwriting is fair and balanced, accurately frames risk issues, and properly justifies decision and grade.
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Make appropriate structuring and approval decisions.
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Ensure that regulatory, concentration, and loan coding issues have been addressed.
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Responsible portfolios could range from moderate to large sized and complexity commercial loans to investor (income-producing), owner-occupied commercial real estate or construction as well as small business, consumer, home equity or residential mortgage loans.
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Conversant with and remains current with regulatory guidance and internal policies related to credit and lending as well as relevant market and industry trends.
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Portfolio management
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Conduct portfolio reviews of assigned loan portfolio(s) to proactively identify deteriorating credit characteristics or a market event that could jeopardize repayment of a loan.
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Work closely with Line of Business to ensure that loans are properly graded and supported at all times.
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Review Asset Quality Reports and ensure that a clear and concise strategy is in place to manage problem credits. Provides direction on smaller problem loan workouts.
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Work closely with the Line of Business Managers to minimize documentation and compliance exceptions.
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Proactively address changes in industry and/or market conditions through transparent and meaningful discussions with the Line of Business Managers and Relationship Officers
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Work with Line of Business Managers, Relationship Officers and Underwriters, and clients or prospective clients to ensure proper initial due diligence of loan proposals.
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Lead or get involved with various division projects including credit policies, processes, procedures, underwriting guidelines, software, etc.
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Develop credit underwriting and structuring skills for Line of Business Managers, Relationship Officers and Underwriters by facilitating periodic formal and informal training sessions. Provides ongoing mentoring for Relationship Officers and Underwriters during credit discussions.
Minimum Qualifications:
Education:
Credit Administrator I, II, III, and Senior:
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Bachelor’s Degree with emphasis in Business Administration or relevant field required.
Experience:
Credit Administrator I:
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6+ years of experience in a combination of underwriting and/or loan officer experience in commercial lending (C&I or CRE) required.
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Approval experience preferred.
Credit Administrator II:
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7+ years of experience in a combination of underwriting and/or loan officer experience in commercial lending (C&I or CRE) required.
Credit Administrator III:
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8+ years of experience in a combination of underwriting and/or loan officer experience in commercial lending (C&I or CRE) required.
Senior Credit Administrator:
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8+ years of experience in a combination of underwriting, loan officer, and loan approval experience in commercial lending (C&I or CRE) required.
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5+ years of management experience required.
Physical Requirements & Working Conditions:
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Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated.
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Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications.
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Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions.
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Must be able to read and understand bank-related documents.
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Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job.
We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.
