Credit Administrator

Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. 

• Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
• Provide, present and promote The Citizens Experience to all external and internal customers.

• Critiques Reports of Credit Extended on loan requests submitted for approval by branch loan officers.   Assists the branches/departments in structuring new and renewed loan requests:   Personal cash flow analysis and spreadsheets are checked for accuracy and corrected if necessary.
• Approves loans within delegated approval authority or recommends loans for approval exceeding theses limits.   Inter-office memos are prepared advising the branches of loan approval conditions or reasons for declines.
• Reviews Repots for Credit Extended for loans approved by the branch for policy or technical deficiencies, loan quality, and assigns an appropriate loan grade.  Prepare internal memo's citing policy exceptions or weaknesses found in each loan request.
• Reviews weekly delinquency reports and works diligently with the branches in their collection strategies.   Assists Senior Management with seriously delinquent loans and OREO's as required.
• Attends monthly DLC meetings and discusses new and renewed loans, delinquent loans, and any adversely rated loans. 
• Reviews real estate appraisals and prepares an appraisal review form.  
• Reviews customer files that require annual term loan financial statement/tax return updates and recommends loan grade changes if appropriate.
• Other duties may be assigned.

SUPERVISORY RESPONSIBILITIES 

Supervises a team of Credit Officers.

QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE 

Fifth year college or university program certificate; or two to four years related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS 

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.  Ability to write reports, business correspondence, and procedure manuals.   Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS 

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.  Ability to apply concepts of basic algebra and geometry.

REASONING ABILITY 

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with problems involving several concrete variables in standardized situations.

PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit and talk or hear.  The employee is occasionally required to walk; use hands to finger, handle, or feel; and reach with hands and arms.  The employee must occasionally lift and/or move up to 10 pounds.   Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Salary Range:$191,292.00 To $286,938.00 Annually 

Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.