Commercial Lending Administrator

Description Job Summary

As a Commercial Lending Administrator, responsible for supporting Commercial/Ag Lenders in the day-to‑day management of their portfolio. This may include shadowing the lender to maintain and develop relationships with corporate clients in their portfolio to achieve and deliver consistent service to the clients. Including the collection and tracking of all the Bank's borrowers/guarantors required financial information to support new and ongoing extensions of credit.

Accountable for performing an in‑depth analysis of this data, as well as an assessment of current or changing borrower/guarantor risks. Through a defined internal process, reviews on an ongoing basis each assigned credit files underwriting documentation for compliance to the Bank's Loan Policy and regulations and ensures the Bank's collateral position is properly denoted. This position supports senior lenders with proper loan structuring and underwriting documentation;
Loan Committee approvals (write‑ups) and annual reviews of existing credits; preparation of formal commitment letters; ordering of title work and initial review; appraisal engagements, environmental assessment, initiates flood order, and review of all commercial and agricultural appraisals; and other ongoing support to efficiently underwrite and enhance the Bank's credit risk monitoring and processing of commercial and agricultural credits. To have a working understanding of the Bank's core loan system, and a strong knowledge of credit supporting systems, such as the Bank's spread and tickler tracking software, flood certification website, Credit Bureau provider, WDFIs UCC name/lien searches, etc.

Perform other tasks as assigned by supervisor and/or senior management, regardless of job title or routine job duties.

Supervisory Responsibilities:

None

• Collect and analyze information that reflects the current credit worthiness of existing and new loan customers. On an ongoing basis primary employee to monitor the merits of existing credit extensions. To aid in this process information may be obtained from, but is not limited to, direct inspection of the borrower's collateral, gathering new/updated financial data, computer searches for relevant information, completing computerized spread, review of trends and/or personal interview with lender, etc.
  
  Ensure UCC name & lien searches, Credit Bureau(s), and child lien support search(s) are up to date every time a new extension of credit is made, and at least bi‑annually when doing existing portfolio credit reviews.
• Reviews on an ongoing basis credit files for completeness, regulation compliance, and proper perfection of the Bank's collateral position. All credit underwriting is to comply with the Bank's Loan Policy in regard to collateral advancement, credit quality, lender's authorized lending limit, and file documentation required. All exceptions should be noted in the credit file and reported to the Vice President Credit Administration.
• Supports and assists lenders in proper loan structuring, underwriting, and respective Loan Committee approvals (write‑ups). Upon approval of a new credit and direction by a lender, Credit Analyst may prepare a formal commitment letter. (Bank requires a second review of all commitment letters before mailing.)
• Responsible for preparing and sending out letter requests for required customers' financial data, and ensures current data is imaged into the Bank's imaging system, and old data is removed, per the Bank's record retention policy. This duty is ongoing and requires timely follow‑up on all financial data required by the Bank (taxes, financial statements, interim statements, CPA prepared statements, guarantor financials, Debtor's Certificates, etc.).
  
  To inform customer's assigned lender when information is received, and to update the Bank's tickler tracking software for next due date request.

For commercial and agricultural real estate transactions, upon approval of the loan request, primary employee responsible for the following support areas: