POSITION SUMMARY:

Responsible for providing competent credit analysis for lending activities, assistance in the administration of borrowing accounts, conduct appraisal reviews, training for business loan staff, and assistance in completion of special projects and assignments. Processes credit applications; verifies credit references and information; and determines credit limits. Prepares reports on the status of credit and collections, and other operating systems.

ESSENTIAL FUNCTIONS:

Complete a thorough, in-depth analysis of new commercial credit requests, credit change requests, renewals, and annual relationship reviews. Recommend risk rating changes when analysis merits. Understand and review documentation to determine viability and adequacy of collateral including methods of valuation such as conforming appraisal reports, environmental studies, title reports, UCC searches, leases, and industry market data. Prepare spreadsheets, reports, summaries, and opinions for lenders on new, renewal and existing loans. Report loans to Credit Manager that may have an adverse effect on the loan collateral or the borrower's ability to repay the loan. Possess thorough knowledge and understanding of Loan Policy and related Procedures and appropriate regulatory guidance. Prepare and deliver accurate monthly, quarterly, and annual reports detailing and summarizing credit risk and loan portfolio positions for internal employees and auditors, investors, and regulatory entities, including but not limited to credit quality, supervisory limits, non-conforming loans, and loan concentrations. Coordinate loan closing with lending personnel and completes remote document delivery. Conduct a post funding review, and cross check core systems to ensure the loan is booked correctly. Ensure the final title policy is received and reviewed for accuracy. Perform system administration to develop and process performance reports, line of business dashboard, real estate trend analysis, concentration, and other projects. Act as administrator on lending and credit related systems and software (such as: Encompass, Baker Hill, and FICS). Develop variable reporting metrics for all management. Complete loan request/underwriting forms and submit to loan committees for approval with notes and opinions. Ensure company credit exposures on assigned loans are within set risk bearing limits set forth in company policy. This includes loan details, document review, financial copies, approvals, etc. Facilitate accurate and timely reporting from data extracts from various systems (such as: Visible Equity, ACL, Baker Hill, Symitar, FICS, and others). Perform data integrity checks, along with certain scheduled audit or quality control (QC) tests within lending areas. Complete loan workups and proper execution to ensure adequate enforceability of company's position for new and existing loans reviewed. Perform regular and timely analysis on all loan portfolios related productivity metrics then recommend improvements to the portfolio or product lines. Compile and evaluate complex data gathered from multiple sources, reconcile differences, identify key data and ensure a consistent, accurate, useful approach. Analyze all reports distributed to management for appropriate detail, relevance, trends, and accuracy. Accurately analyze and interpret the data to support reporting needs. Determine that loan documentation is complete and properly executed to ensure adequate enforceability of the company's position for all new loans reviewed. Provide recommendation and coordinate with related departments to recommend enhancements to full life cycle of lending and credit processes including credit decisions, recommendations, and analysis. Lead or assist with projects that will consist primarily of credit administration issues and may relate to possible changes in policies and procedure, possible changes as a result of examiner or audit r recommendations, peer group analysis, market studies, changes in compliance and regulations, software upgrades, monitoring of industry or borrower concentrations, risk assessments, and feasibility studies for efficiency gains such as outsourcing, in-sourcing, centralization of duties, et At times, provide assistance/coaching/leadership and supervision of the business loan administration team including servicing, loan booking/closing and post-close functions. Prepare various reports for the Quarterly Board presentation. Provide regulators and auditors with information needed to assess company's compliance with loan review policies and procedures and reserve adequacy methods. Must comply with all company policies and procedures, applicable laws, and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Other duties as assigned.

QUALIFICATIONS

Education/Certification:

College Degree in Finance or equivalent experience

Experience Required:

Five years to eight years of similar or related experience, including preparatory experience.

Skills/Abilities:

Excellent technical, analytical, numerical, interpersonal, communication, problem-solving and teamworking skills are also essential.

WORKING CONDITIONS

Standard office conditions Low to moderate noise Limited lifting up to 10 lbs.