Credit Administration Analyst

Responsibilities include the following; other duties may be assigned:

Credit Analysis & Underwriting

• Analyze financial information to assess current and future financial performance.
• Review loan applications and assess customer risk profiles.
• Prepare credit analyses including financial spreads, repayment and collateral analysis, risk rating, and loan exceptions.
• Collaborate with relationship managers, brokers, and customers to develop credit requests for approval.

Portfolio Management

• Assist in managing a growing loan portfolio and maintaining relationships with existing clients.
• Conduct in-person meetings, inspections, and covenant reviews.
• Monitor ticklers and past due reports; work with borrowers to ensure timely payments.
• Prepare annual reviews and modifications for commercial loans.

Operational & Reporting

• Maintain updated credit files and tracking systems for financial statements, appraisals, and renewals.
• Prepare monthly, quarterly, semi-annual and annual reports for the Board of Directors.
• Assist in the closing of commercial transactions
• Assist management with special projects needed.

Requirements and Qualifications

• Bachelors (B.A.) degree in Finance, Business Administration and or equivalent combination of education and experience.
• Minimum of two years directly related to Credit experience.
• Strong analytical, communication, and organizational skills, and a proactive approach to client relationship management.
• Must be bilingual in both English and Spanish; Ability to fluently speak, understand, read and write both
• Advanced Microsoft Office Skills

Competencies

• Partnership-Oriented

• Business Acumen/Sophistication

• Customer-Centric

• Innovative

• Regulatory & Risk Management

• Hands-On

• Accountability

• Sustainable Performance