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Senior Credit Administrator

DUTIES & RESPONSIBILITIES:
  • Provide an extraordinary Client experience to internal and external Clients of American River Bank promoting professionalism, confidentiality and the desire to assist.
  • Assist the Chief Credit Officer in the administration and oversight of the Credit Administration Department and Loan Portfolio of the Bank. Position is both administrative and loan risk management roles, this position ensures high loan portfolio quality and compliance with all applicable laws and regulations, and the Bank‚ s policies, processes and procedures.
  • Position will have loan approval responsibilities, and for larger amounts, will be expected to review and recommend credits requiring higher level approval. Ongoing participation in reviewing in-process credits, approval stream, reading and supporting in-process credit write-ups; consistent and collaborative interface with Commercial Banking. Responsibility also includes voting member of loan committee, and will be responsible for taking the minutes of Director‚ s Loan Committee.
  • Assist Chief Credit Officer in the preparation of senior management and board loan committee meetings, including organization of credit proposals, agenda development and reports.
  • Aid and maintain, coordinate, collate, cross-reference, and as directed, write Loan Policy and Procedures.
  • Aid in the preparation of the Allowance for Loan and Lease Losses.
  • Responsible for ensuring that Credit Administration and the Bank‚ s Loan Portfolio is consistently in compliance with banking laws and regulations (including Reg. B), CRA-Community Reinvestment Act, FIRREA and other regulations as may arise, consistent with established Bank policies and procedures, audit and security policies. Works with other Bank employees, along with examiners and internal/external auditors, as required, to ensure compliance and correct audit exceptions while maintaining Client confidentiality at all times.
  • Adhere to all aspects of the Bank Secrecy Act (BSA); be familiar with the Bank‚ s BSA Policy and the different areas of BSA, including the purpose of BSA, examples of money laundering, currency transaction reporting requirements, suspicious activity reporting requirements, OFAC requirements, FinCen regulations and the USA Patriot Act.
REQUIRED SKILLS AND ABILITIES / QUALIFICATIONS:
  • Excellent understanding of financial statements, tax returns and basic financial analysis.
  • Excellent supervisory skills with ability to develop skills in others.
  • Extensive knowledge of related state and federal loan regulations and other applicable Bank lending policies and procedures, including but not limited to, BSA, TILA, ECOA, CRA, Flood Insurance, RESPA and HMDA.
  • Minimum of ten years of experience with a financial institution with a focus on accounting/ financial, lending, credit analysis or related area.
  • Undergraduate degree in finance, business, or related field required.
  • Strong problem-solving and decision making abilities.
  • Proficient PC skills, including but not limited to, Windows, Word, Outlook and Excel.
  • Strong oral and written communication skills with fine attention to detail.
  • Flexible in ability to accommodate multiple priorities, exhibiting organization and time management skills.
  • Experience with the Allowance for Loan and Lease Losses (ALLL).
  • Ability to perform and substantiate impairment analysis.
  • Strong organizational and time management skills, with ability to function under limited supervision.
  • Proven follow-up skills with good ability to oversee and manage credit processes.
The above description is not all-inclusive and American River Bank may change or modify this or any position as may be necessary.


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