Credit Administrator

Mission Bank is seeking a Credit Administrator to join the team! The Credit Administrator is responsible for all assigned credit analysis and administration functions related to the Bank's programs where any aspect of commercial credit risk exits. The Credit Administrator's primary responsibility is to support the loan process by performing the credit administration review/ approve within assigned lending limits of new and existing credits ensuring that financial ratios and other analyses are accurately completed by the assigned underwriter/account officer and that the materials presented to the Loan Committee are accurate and reflect the credit risk of the credits. In addition, the Credit administrator may own and oversee the banks loan workflow software.

Responsibilities include but are not limited to:

1. Review and approve or decline new and complex commercial credit transactions in accordance with the Banks credit policies.
2. Thorough understanding of the Banks credit policy, which includes making sure that the structure of each commercial credit transaction (at the time of underwriting, and on an on-going basis) is in conformity with policy, and / or policy exceptions are noted and reported as required by policy.
3. Timely, accurate and effective communication to management of any potential material risks associated with existing commercial credits in the portfolio, including a recommendation for the appropriate course of action if warranted.
4. Performing portfolio-level analytics and stress testing to inform management of risks within the loan portfolio including concentration risk and interest rate risk.
5. Provide guidance that the risk rating is assigned to each commercial credit is accurate and based on the most recent information available to the Bank.
6. Oversee the preparation of the appropriate reports and forms used to communicate the current states of commercial credits (both performing and non-performing) to management.
7. Review that the underlying value of all collateral is current and reliable, particular for commercial credits determined to be a special mention or substandard.
8. Successfully be able to restructure or liquidate special mention and/or substandard commercial credits w/in an acceptable time period.
9. Working in coordination with the Compliance Officer to ensure compliance with all laws and regulations with respect to lending.
10. May act as the CRA officer, manage CRA reporting and compliance.
11. Working in coordination with the Compliance Officer and CFO on all internal control audits and financial statement audits as they relate to loan operations.
12. May perform portfolio reviews of credits approved directly by Regional Presidents, Division Managers, and the Chief Banking Officer.
13. Assist management with other responsibilities as needed.

Minimum Requirements:

• Bachelor’s degree in a related field
• 5+ years of commercial banking experience, including underwriting and monitoring all aspects of large, complex commercial loan transactions, with previous Commercial Banking Relationship Manager experience and/or equivalent Regional President experience.
• 5 plus years of commercial banking experience, particular underwriting and monitoring all aspects of large, complex commercial loan transactions.
• Strong understanding of accounting, financial statement analysis and business valuation methods (solid analytical skills).
• Proficient communication skills, both verbal and written.
• High level working knowledge of software; Excel, Word, etc.
• Ability to work w/ outside service providers (legal counsel, auditors, examiners, appraisers, etc.).
• Working knowledge of the regulatory environment.
• Proactive, precise, highly motivated and able to adapt and thrive within the Bank's credit culture.
• Project a businesslike professionalism to the client in both appearance and manner.
• Possess a strong customer service orientation, and a willingness to place the customer first.
• Possess strong written/verbal communication skills as well as excellent organizational/time management skills.
• Ability to work with minimal supervision while performing duties.
• Preferred but not required: MBA or 10 years of commercial banking experience, particular underwriting and monitoring all aspects of large, complex commercial loan transactions.

• Competitive Medical Insurance (PPO&HMO)
• Dental Insurance
• Vision Insurance
• Life Insurance
• Short-term and Long-term Disability
• 401k Retirement Plan
• Vacation Hours
• Sick Time
• 11 Paid Holidays Per Year!