Credit Administration Officer - City National Bank & Trust

Description: The Credit Administration Officer is responsible for managing and coordinating the clerical, administrative processing and underwriting functions of the bank’s lending operation. Develops, defines, recommends, and supervises overall policies and procedures. Provides advice and guidance to others engaged in loan activities to ensure that loans are properly processed and that adequate controls are maintained. Attends and maintains loan officer training. Works with the Compliance Officer to insure regulatory compliance is in place.

Responsibilities: This position reports directly to the Chief Lending Officer.

• Supervisor of personnel in the Loan Department – areas will be designated at hire
• Hires, assigns & approves work, assures training is implemented and performs annual reviews with personnel
• Identifies responsibility for customer satisfaction with timely, complete and through processing of loans for bank lenders
• Reviews all loan proposals prior to their submission to Loan Committee and/or Credit Administration Committee and Has ability to stop loans in process if sufficient documentation is not available or the loan does not meet the requirements of the bank’s loan policy
• Assures the adherence to all established loan policies, procedures and regulatory guidelines for compliance. Point of Contact for Credit Administration functions in relations to Internal Audits, External Audits and Regulatory CRA and Safety and Soundness Exams.
• Works in junction with the Credit Risk Department to maintain and report the status of delinquent financial statements via tracking system
• Work collaboratively to implement and revise loan policies while assisting senior management in interpreting and applying loan policy
• Oversight of loan processing, loan servicing activities and collateral administration.
• Responsible for evaluating and developing workflow/processes that provide for the most effective, efficient and compliant loan administration possible
• Create and maintain loan exception reports to track loans with pertinent deficiencies.
• Establish and manage loan servicing area to deal with routine customer inquiries related to their loan accounts

Requirements:

• Bachelor’s degree from four-year institution plus additional lending, compliance and audit related training
• Minimum of 5 years’ experience in banking, lending, loan review and/or compliance or equivalent education in bank compliance procedures and policies
• Computer proficiency with understanding bank loan systems, lending related software, secondary market operations and the lending process in general
• Clear communication skills
• Familiarity with Microsoft Office
• Ability to work in a team environment
• Strong multi-tasking skills
• Strong organizational skills

Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibility that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Training to Include:

• Internal training in the Credit Risk Department
• Internal training in the Loan Documentation and Balancing Department
• Internal training with Loan Officers and Processors
• Risk Management Associations (RMA)
• Oklahoma Bankers Association (OBA)

Physical Demands: This position is largely a sedentary role, requiring the ability to use typical office equipment such as a computer, laptop and cell phone, with most work completed in a professional office environment. The ability to travel to other locations is required.