Commercial Credit Administrator

Position Purpose

Plan, organize and manage the commercial lending function to ensure the independent review of the Bank’s commercial loan portfolio is performed on a continuing basis. Ensure documentation is in compliance with bank policies and applicable regulations. Participate in the detection of deteriorating commercial loan quality. Manage, supervise and mentor credit administration staff, fostering effective and collaborative working relationships with both internal and external customers.

Support bank wide sales and service efforts designed to retain existing relationships and enable growth of new relationships. Ensure sustained profitable growth through support of the institution’s deposit, loan and fee income goals. Actively participate in the resolution of special credits as required.

• Plan, organize and manage the commercial credit function and staff activities to ensure the independent review of the Bank’s commercial loan portfolio and compliance with bank policies and applicable regulations.
• Supervise staff activities, fostering effective and collaborative working relationships with both internal and external customers; establish goals and assess performance; participate in hiring and discipline decisions as needed; mentor staff and ensure appropriate training and development opportunities are provided.
• Monitor the bank’s loan portfolio on a continuing basis in order to mitigate loss exposure through timely credit review and grading.
• Participate in the identification of problem loans and provide recommendations for handling and resolution.
• Maintain the bank’s system of credit analysis, underwriting, and quality control for all loans.
• Ensure adequate credit and collateral documentation is maintained in compliance with policies and regulatory requirements.
• Provide periodic reports of outstanding credit exceptions to the Chief Credit Officer.
• Prepare loan portfolio analysis including but not limited to impairment analysis pursuant to ASC 310 (formerly FAS 114), credit concentrations reports, appraisal aging schedules, and loan maturities loan reports.
• Manage a team of underwriters in the preparation of analysis of all large loans, large aggregate lending to one borrower, complex loans, and problem loans.
• Approve, decline, counter-offer portfolio loan requests in conjunction with loan policy limits. Actively participate in problem credit resolution.
• Ensure compliance with all policies and regulations including but not limited to the Bank Secrecy Act (BSA) and Community Reinvestment Act (CRA).
• Maintain regular and predictable attendance.
• Perform related duties and responsibilities as required.

• Bachelor’s degree in business administration, finance, accounting, or economics, or the equivalent.
• Typically requires five to seven years directly related and demonstrated successful experience in commercial credit administration.
• Thorough knowledge and understanding of entire Commercial Real Estate and C & I lending processes.
• Solid loan analysis, structuring and documentation knowledge across various business and collateral structures.
• Strong credit and financial analysis skills are required.
• Strong interpersonal skills and ability to effectively communicate, both written and verbal, to all lines of business.
• Ability to effectively supervise, direct and mentor others in the performance of their assigned responsibilities.
• Ability to collaborate cross divisionally with production personnel.
• Ability to effectively manage multiple priorities in a timely manner.
• Proficient with MS Word, Excel, and various database programs.
• Develop and maintain a working knowledge of First Federal policies, procedures, and systems.
• Valid Washington Driver’s license.

The work requires the ability to operate office machines and equipment, such as personal computers, printers, copying machines and telephones. The work requires the ability to communicate clearly with customers, coworkers, and others in person and on telephones. Work activities involve combinations of sitting/standing for extended periods.

• The pay range for this position is $ - $
• The typical hiring…