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Yoakum National Bank · 1 week ago

Assistant Credit Administrator

San Antonio, TX

Full-time

Onsite

Mid, Senior Level

5+ years exp

Yoakum National Bank is a full-service, local financial institution that has been serving its community since 1890. They are seeking an Assistant Credit Administrator who will support the Credit Administrator and ensure the overall credit quality of the bank, while managing credit risks and loan policies.

BankingFinancial ServicesWealth Management

No H1B

Responsibilities

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

Qualification

Loan documentation experienceLaser ProLeadership skillsMicrosoft WordMicrosoft ExcelMicrosoft OutlookBusiness entity document requirementsConsumer real estate complianceCustomer service commitmentMulti-tasking abilityWritten communication skillsAttention to detail

Required

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)