Assistant Credit Administrator

EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.

We are seeking an Assistant Credit Administrator for one of our 3 locations:
Yoakum, Odessa or San Antonio.

The Assistant Credit Administrator will be responsible for supporting the Credit Administrator and ensuring the overall credit quality of the bank.

• Provide daily support to the Lenders, Lending Assistants, Credit Analyst and Loan Operations Teams.
• Assist Credit Administrator with ongoing monitoring, credit management & reporting to the Board as required.
• Identify and address potential risk in the loan portfolio as assigned by the President/CLO.
• Maintain, update, and recommend changes to the Bank’s loan policies and procedures including but not limited to, underwriting criteria, loan approval authorities, structure requirements, risk tolerance levels, portfolio concentrations, financial information, and analysis requirements.
• Provide guidance to lenders as appropriate. Works with lenders toward structuring credit solutions that meet client needs and fit within the risk appetite of the Company. Follow the Bank's Information Security policies, ensuring that the processing and handling of all customer information and confidential bank information is done in a secure manner.
• Working with Loan Operations to ensure “tickler” reports are updated and available to loan officers and management.
• Portfolio management including ALLL, concentrations, delinquencies, asset quality and safety and soundness. Oversee the accuracy and timeliness of asset classification. Oversee and verify that foreclosure and/or repossession process was done correctly and followed legal guidelines and identified the foreclosure and servicing errors.
• Regulatory reporting and compliance.
• Overseeing proper loan documentation and lien perfection.
• Create, assess and/or update processes within the lending teams to ensure accuracy and compliance with Loan policy as well as regulatory guidelines.
• Responsible for the hiring and training of Credit Analyst and Loan Operations personnel as necessary.
• Responsible for timely responses to audits and immediate correction of any findings.

• Strong leadership skills.
• Superior oral and written communication skills, ability to interface with all levels of employees and management.
• Prior loan documentation experience which includes consumer, commercial and real estate loans.
• Must have a developed understanding of business entity document requirements and perfecting various collateral liens.
• Working knowledge of consumer real estate compliance requirements.
• Strong working knowledge of Laser Pro
• Proficient Microsoft Word, Excel, and Outlook (e.g., create new documents, edit existing files, create tables, sort/filter data, print documents, generate new records, email, and calendaring)
• Strong attention to detail and able to take direction.
• Ability to interpret and apply laws and regulations.
• A strong commitment to customer service, ability to multi-task in dynamic business environment, able to meet constant deadlines.
• Ability to independently identify resolutions to documentation and/or deadline issues.
• Written communication skills including grammar, spelling, and composition.
• Must have ability to prioritize a variety of tasks, meet deadlines and work well under pressure.

• High School Diploma

• 2+ years supervisory experience
• 5+ Years in loan documentation experience (preparation and review)
• Financial Services: 2 years (Preferred)
• Working with Laser Pro a plus
• NuPoint experience a plus

Yoakum National Bank is a competitive employer and provides many benefits from a choice of insurance coverages, Paid Time Off, company-matched 401k contributions.