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Credit Administration Analyst
Lakewood, United States
Job Summary
The Credit Administration Analyst is responsible for preparing and enhancing credit and loan portfolio reporting and analysis. Including, conducting data integrity, balancing reports and preparation of summary memorandums. This person will have experience working with complex datasets, reporting software and a natural attention to detail and ability to recognize data trends.
Essential Duties
- Management of commercial real estate stress test model and preparation of quarterly reports to include ad hoc analysis of output.
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Preparation and distribution of various weekly, monthly and quarterly loan portfolio reporting to include Loan Concentrations, Credit Policy Exceptions and Special Assets.
- Prepare cover memos as necessary to identify trends and present findings to Credit Administration Management.
- Oversee the production of automated reports and troubleshooting as necessary to ensure recurrence.
- Analyze and review current reporting to evaluate effectiveness and potential for data enhancements.
- Write and maintain related processes and procedures.
- Maintain a repeatable and documented validation process for assigned reports.
- Identify and present any new or updated reporting needs to enhance portfolio management to Deputy Chief Credit Officer and/or related Committees.
- Participate in various credit-related committee meetings as necessary as the data expert and to remain informed about the loan portfolio and any reporting enhancements or new requirements.
- Provide guidance and support for various processes and functions associated with the overall administration of credit within the bank.
- Produce and prepare ad hoc reports as necessary for Credit Administration and related stakeholders.
- Train existing or new staff on reporting function to create redundancy within the Department.
Advanced knowledge of Microsoft Excel and report writing software is required to be effective in this role. Experience working with the following application is considered a plus: IBM Cognos, Jack Henry, Abrigo, Laserfiche. Prior experience working for a Bank or other financial institution is also a plus.
Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security and privacy requirements. Acts as the control point for the office to ensure that all CIP, BSA, OFAC requirements, procedures and time frames are met.
Non-Essential Duties
- File Review
- Data mining
Requirements
- Strong computer and strong organizational skills.
- Active interaction & contribution within team environment.
- Strong customer service skills with both internal & external customers.
- Ability to perform multiple tasks.
- Ability to travel to training facilities.
- Familiarity with existing Credit Policy Manual and Lending Procedures Manual.
- Understand function and utilization of F&M Loan Forms.
- Working knowledge of Lending Regulations, Loan Documentation and Loan Servicing Procedures.
- Familiarity with Bank Products & Services and Policies & Procedures (Operations/Lending).
Knowledge Skill Sets
- Bank Secrecy Act (BSA)
- Fair Housing Act
- Real Estate Settlement Procedures Act (RESPA)
- Regulation AA (Unfair or Deceptive Acts or Practices)
- Regulation B (Equal Credit Opportunity)
- Regulation BB (Community Reinvestment Act)
- Regulation C (Home Mortgage Disclosure Act - HMDA)
- Regulation CC (Expedited Funds Availability Act)
- Regulation E (Electronic Funds Transfer Act)
- Regulation H (Flood Insurance)
- Regulation O (Loans to Executive Officers, Directors, and Principal Shareholders)
- Regulation P (Privacy Act and Safeguarding Customer)
- Regulation U (Governs Margin Securities)
- Regulation X (Real Estate Settlement Procedures Act – RESPA)
- Regulation Z (Truth in Lending Act)
- Regulation DD (Truth in Savings)
- Customer Identification Program (CIP) / US Patriot Act
- Uniform Commercial Code (UCC)
- California Civil Code
- Fair Credit Reporting Act (FCRA)
- Fair Debt Collection Practices
- FDIC Insurance
- FIRREA (Financial Institutions Reform, Recovery, and Enforcement Act)
- S.A.F.E. Act (Secure and Fair Enforcement for Mortgage Licensing Act)
Basic Service Skill Sets and Abilities
- Strong Written/Verbal Communication
- Clear understanding of the English Language (Spoken & Written)
- Telephone Skills
- Microsoft Office Products (Excel, Word, Outlook, PowerPoint)
- Laserfiche imaging application
- Jack Henry & Associates core operating system
- Core understanding of Loan Documentation & Procedures Manual
- Basic Mathematics Skills
- Customer Service Skills
- Strong typing skills
- Effective time management
- Strong organizational skills
- Critical Thinking, Judgment & Problem Resolution Skills
- Ability to actively listen & learn
- Interpersonal Skills / Ability to respectfully communicate with Supervisors and Co-workers / Ability to effectively deal with unpleasant, angry or discourteous people
Officer Title Eligibility
For qualified positions, the Bank may designate an Officer Title to an employee who seeks and/or meets defined competencies for an eligible position. This position qualifies for the officer title(s) Assistant Vice President, Vice President.
Equipment Operated
- Desktop Computers
- iPhone and iPads set-up for Board effect.
- Standard Office Equipment (copiers, scanners, fax machines, telephones)
Physical Requirements & Work Environment
- Requires sitting for prolong periods of time.
- Requires lifting up to 15 lbs.
- Office setting w/controlled temperature
Education and Experience
- Bachelor's Degree or equivalent
- 3 – 5 years report data analysis experience
- 3 – 5 years of report writing experience
As a part of the Bank’s internal control systems, employees holding sensitive positions are required to be absent from their duties for a minimum of two consecutive weeks each year. This position has been deemed to meet the test for a sensitive position, and therefore you will be required to meet the minimum absence requirement each and every year.
This job description is not intended to be all-inclusive, and employees will be required to perform additional related work duties as assigned by their immediate supervisor and/or management.
Farmers and Merchants Bank of Long Beach reserve the right to revise or change job duties and responsibilities as the need arises. This job description does not constitute a written or implied contract of employment.
September 23, 2025
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