Sr. Credit Administrator II (Finance)

SUMMARY

This position directs the credit administration and loan quality functions of the Bank's loan portfolio and the loan origination process with an emphasis on Business Banking, Commercial Lending, and Consumer Lending.  Has oversight of the Credit Analyst Team that supports Business Banking, Commercial Lending, and Consumer Lending.  The position will have loan approval authority for all three lines of business.   Loan quality includes credit reviews before and after loan origination, and responsibility for the credit quality of the loan portfolio to assure minimum losses.

Direct input into credit administration operations, including loan and lending practices, credit standard maintenance, and special project management.  Responsible for providing technical advice, and review of mortgage, consumer, business banking, and commercial loan portfolios for quality, accuracy, regulatory compliance and credit worthiness. Provides leadership to the departments involved in credit decisions, supporting overall growth and development of Riverview Bank.

The salary for this role will be between $141K and $200K.   The specific salary offered will depend on several factors including but not limited to applicant's skills and prior relevant experience.  Hired candidate may be eligible for healthcare benefits, 401K plan, short term & long-term disability coverage, life insurance, vacation & sick time, educational assistance, and several holidays.  Certain roles are eligible for additional rewards

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Lending Support:

• Provide advice, guidance, technical expertise, reports, and consultation to lending & senior officers.
• Coordinate the streamlining and improvement of processes as they relate to external Loan Examinations, Internal Asset Review, Loan Grading Process, and all lending support programs.
• Functional understanding and support of the bank's loan origination process.

 Loan Quality:

Credit Review & Loan Quality:

• Responsible for the credit quality of the loan portfolio to assure minimum losses through the lenders and loan officers.
• Review loan memorandums and approvals above lender limits for completeness and quality.
• Ascertain that loans made are reported and approved according to the bank lending policy, and within prescribed lending limits.
• Review the Classified Loan Report and the Past Due Loan Report and follow up with the lending officer on any discrepancies.
• Identify potential problem credits and work with loan officers and loan workout specialists to restructure the credit and/or minimize losses.

 Credit Approvals:

• Review and approve loans within prescribed limits
• Assist in the review and processing of loans over prescribed limits as warranted.

 Auditing:

• Assist in the supervision of the loan examination function.
• Monitor the accounts receivable auditing program and insure timely completion of audits.

 Other:

• Evaluate loan portfolios, internal policy controls, and overall loan management.  Prepare and present evaluation results to senior management.
• Oversees analysis of industry trends, and evaluations of loan policies and unique loan situations.
• Review and update new and existing loan files for Riverview Bank on a regular basis.
• Follow all state and federal laws and Riverview Bank policies and procedures.

 RELATIONSHIPS

• Regular contact with senior leadership, supervisor, and lending department to ensure credit standards are being maintained.
• Regular contact with representatives of businesses who provide necessary confirmation, documentation, etc., of various types of loan related information (i.e., title companies, insurance companies, construction companies and various government agencies).

 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

Bachelor's degree and seven to ten years of experience with progressively greater responsibilities in a business banking, commercial lending, and consumer-lending environment.  Thorough understanding of loan documentation criteria and Riverview services, products, policies and procedures, as well as overall business objectives for the Business Banking, Commercial Lending, and Consumer Lending Departments.  Extensive knowledge of collections, workout and loan review procedures and related areas.  Good managerial, communication and public relations skills.

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 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 solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

OTHER SKILLS AND ABILITIES 

The position requires the basic skills associated with the general use of computers and other business office equipment. The ability to offer flexibility in a changing work environment is imperative.  Basic knowledge of MS Office products and/or other comparable software applications.

PHYSICAL DEMANDS

While performing the duties of this job, the employee is regularly required to effectively communicate via phone/video, messaging, and email. The employee is required to use computer and office equipment such as a computer, printer, copier, as well as computer software such as Microsoft Office. You may also frequently be required to occupy a workstation for long periods of time. 

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

 Riverview Bank does not accept unsolicited resumes from any third-party staffing agencies and/or search firms for any job postings.

Third parties are not authorized to submit profiles, applications, or resumes to this site or to any Riverview Bank employee. Any such submissions, Riverview Bank will not be responsible for any fees related to unsolicited resume submissions without written consent from the Talent Acquisition Team. Including, but not limited to the candidate hired for a position.

 

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c) Credit Administration