Credit Administrator at California Bank of Commerce, N.A.

Walnut Creek, California, United States -

Full Time

Start Date

Immediate

Expiry Date

27 Jan, 26

Salary

220000.0

Posted On

29 Oct, 25

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Risk Management, Financial Analysis, Loan Approval, Regulatory Compliance, Problem Solving, Decision Making, Interpersonal Skills, Analytical Skills, Communication Skills, Deal Structuring, Underwriting, Portfolio Management, Credit Policies, Mentoring, Training, Trend Analysis

Industry

Banking

Description

Description The Credit Administrator is responsible for managing the Bank’s overall credit risk for assigned business segments. This position works closely with Relationship Managers and Senior Management to help ensure that established risk parameters are being followed, ensuring compliance with overall portfolio credit quality. The Credit Administrator is responsible for the analytical quality, administration, approval under delegated approval authority, and recommendations for credit approvals of larger, more complex credit transactions. ESSENTIAL DUTIES AND RESPONSIBILITIES: Lead all aspects of credit approval, reporting and monitoring for assigned business segments. Review and approve loans under Delegated Lending Authority. Work with Relationship Managers and, when necessary, Senior Management to structure credit facilities that protect the bank and meet the needs of the client, making sure policy exceptions are noted, properly mitigated, and that risk ratings are appropriate. Pre-review loan presentations before submitting for further approval. Assist Relationship Managers and analytical staff with deal structuring and underwriting. Work closely with Relationship Managers and Senior Management to ensure overall portfolio credit quality, adherence to policy, and identification of risk meets the bank’s policy and risk appetite. Identify developing trends in the loan portfolio and lending practices and provide recommendations accordingly. Identify early warning signals (such as past dues, higher vacancies or extended asset conversion cycles) and take immediate actions. Assist in developing and maintaining credit administrative monitoring and reporting systems, including supporting procedures and processes. Assist in identifying product concentrations and other risk components to ensure that the loan portfolio is balanced in terms of risk parameters and profit expectations. Provide input on tailoring credit products. Work with leaders throughout to provide strategic directions for implementation. Reviewing credit policies and procedures to ensure that they are up to date, reflect the risk appetite of the Bank, are relevant to the products that the Bank currently offers or intends to offer. Assist in leading the credit role related to mergers and acquisitions, and subsequent loan portfolio and staff integration. Actively drive overall bank strategy as an active member of the credit team. Mentor and train business units, including analytical staff, as necessary. Requirements REQUIRED SKILLS AND ABILITIES: Ability to analyze and organize financial information and perform complex financial calculations. Detailed knowledge of lending regulations, lien laws and loan documentation. Direct experience with regulators, auditors, and other consultants in the industry. Excellent analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions. Strong interpersonal skills with solid credit, problem solving and decision quality skills. Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone. Ability to quickly assimilate and consistently implement existing credit policies and guidelines. Ability to effectively lead, persuade, and guide the line of business. Education/Licenses/Work Experience: Bachelor’s Degree in Finance or a related discipline. 10 years of banking experience 15 years in Commercial Lending and/or C&I credit experience. Work Environment Standard office environment with a moderate noise level. Physical Demands The work environment characteristics and physical requirements described here are representative of those which an employee in this position encounters while performing the essential functions of this position. Reasonable accommodation may be provided to enable individuals with disabilities to perform essential functions. Prolonged periods sitting at a desk and working on a computer. Remain in a stationary position for sustained periods of time. Occasionally move about inside the office to access filing cabinets and/or other office machinery. Occasionally required to raise objects up to 25 pounds from a lower to a higher position, move objects horizontally from position to position with, and/or bend body downward and forward, and/or extend hands and/or arms in any direction to access files and/or other office machinery. Consistent use of a computer and/or other office machinery is required, such as a keyboard, calculator, copy machine, scan machine, and/or computer printer. Making substantial and repetitive movements (motions) of the wrists, hands, and/or fingers. Close visual acuity is required to perform activities including, but not limited to, preparing and analyzing data and figures, transcribing, viewing a computer terminal, and/or extensive reading. Regularly required to communicate verbally with employees, clients, and vendors. Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled Pay Range: $180,000 - $220,000 annually. Pay range may vary based on skills, experience, and location

Responsibilities

The Credit Administrator manages the Bank’s overall credit risk for assigned business segments, ensuring compliance with credit quality. This role involves leading credit approval processes, structuring credit facilities, and monitoring portfolio quality.