Credit Administration Associate

Job Summary

The Credit Administration Group (CAG) Associate is an entry level position in the Credit Administration department. The associate will participate in and learn various job functions within the department to fulfill its responsibility to manage a safe and sound commercial bank loan portfolio and operation. The associate will participate in daily tasks in the areas of loan accounting, credit analysis, loan monitoring and reporting, and additional duties as assigned. The associate will report to the SVP of Credit Administration, and work closely with colleagues across different functions and executives. The right candidate should be curious and eager to learn, have a willingness to participate in tasks and projects as assigned, and a desire to evolve in a growing organization.

Essential Job Functions

Learn and manage segments of the Bank’s Payroll Protection Program forgiveness efforts.

Assist in daily operations in the department which includes but is not limited to:

- Loan system entries for new/renewed and modified loans

- Maintenance and reconciliation of loan entries

- Process advances, paydowns, and demand statements

- Perform monthly certifications at Accounting/Finance’s direction

- Assist in the review of loans in the bank’s portfolio:

- Support collection efforts for borrower financials

- Conduct term loan reviews/analysis on loans in the Bank’s portfolio

- Recommend risk ratings and follow up actions in collaboration with Lending

- Assist in portfolio analysis (concentration analysis, industry review, stress test, and others as assigned)

Secondary Job Functions

-Advise management on potential improvements of process and/or products.

-Perform other duties and responsibilities as required or assigned by Manager.

-Comply with all BSA and other Bank’s training and procedures.

Qualifications/Requirements

Bachelor’s degree in accounting, finance, economics or related field, or non-business-related degree with sufficient course work in related area such as accounting, finance, economics, or business administration preferred, or equivalent work experience.

One to two years of related work experience is preferred, but not required. New graduates are welcome.

The Ability to

-Apply general rules to specific problems to produce answers that make sense.

-Identify and implement automation through technology, that results in efficiencies and/or measurable cost savings to the Bank.

-Combine pieces of information to form general rules or conclusions.

-Ability to effectively interact with all Bank departments and levels of management and employees.

-Give full attention to what other people are saying, understanding the points being made, asking questions as appropriate.

-Identify deficiencies, create/improve procedures, policies and practices to improve operational efficiency of the Bank.

Physical Requirements

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 occasionally required to:

· stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and

arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk to hear.

· The employee must occasionally lift and/or move up to 25 pounds.

While performing the duties of this job, the employee is not exposed to weather conditions. The noise level in the work environment is usually moderate.