Bravera · 2 hours ago
Credit Administration Coordinator
Helena, Montana, United States
Full-time
Onsite
Entry, Mid LevelBravera is an employee- and director-owned company committed to helping employees forge new career paths. The Credit Administration Coordinator is responsible for coordinating credit administration functions, including documentation of credit actions and reporting for various levels of management and the Board of Directors.
BankingFinancial ServicesLendingWealth Management
Responsibilities
Coordinate Loan Committee Meeting (generally 2/week)
Create agenda, send to committee members, maintain calendar (held via video conference)
Post credit presentations and meeting materials electronically for committee reference to common drive
Record committee decisions and voting via credit approvals or word documents for non Web Equity items
Advise lenders, assistants, and other departments relative to the day’s meeting content of committee action
Items for board review
Loan Documentation
Post BLC agendas (PDF format) for recordkeeping, includes BLC Committee, Overdrafts, Denials, email votes, BOD actions of credits
Track loan activity weekly via query from WEM
Research and provide committee documentation upon request
Track & advise of credit requests for insider loans (Reg O reportable)
Maintain forms submitted for committee approval (Charge Off, Non Accrual, Risk Rating Reclassification, Credit Card)
Track exception approvals and query weekly for quarterly reporting to BOD
Monitor ILTV-SLTV trends
Periodic Reporting
Semi-Annual Borrower Concentration Report (December/June)
Annual Review of Purchased Participations/UBPR criteria & Tracking (2/yr)
Impairment Reporting – 30 days prior to quarter end
Monthly
Exception reporting – DM’s currently not providing (WEM)
Approval at all levels
LTV charts
Underwriting charts
Past due trend
Portfolio concentration
Coverage Ratio/Classified trend = short version credit administration
Quarterly
RE concentration trends
SLTV trends
Borrower concentration – working w/JHA for enhancements
Past due – graphs
Hotel/Motel/Church concentration
Policy Maintenance
Bravera Bank Loan Policy & Exhibits – Annual review in September; updates as needed
Bravera Bank Loan Procedures & Exhibits – Annual review in September, updates as needed
Verify all forms and links are current as supposed to be used in all locations
Responsible for promoting teamwork and open communication among all functions of the organization and with Subsidiaries
Responsible for promoting the organization in the community through participation in various civic and community events, activities, committees, and organizations
Must maintain a high level of confidentiality and professionalism regarding all employee and customer issues and information
Contribute to the overall success of the organization
Adhere to all banking rules and regulations, including but not limited to the requirements of the Bank Secrecy Act. In addition, the employee will be proactive in the prevention of illegal activities, will vigilantly look for activities that may constitute any type of fraud including money laundering, and will report any suspicious activity to the BSA Officer
Participate in Action Team and Committees, as assigned
Assist with special credit administration projects, as requested
Qualification
Required
Bachelor's degree in business, finance, or related field
An acceptable combination of education and work experience
Benefits
Competitive salary
Incentive compensation opportunities
Retirement plan with company match
Health insurance
Paid holidays
Paid time off (PTO)
Paid community volunteer time
Stock opportunities
Training opportunities
Tuition reimbursement
Company
Bravera
We are Bravera, an employee- and director-owned company of advisors who help build the financial strength, stability and growth of every community to which we belong.
Founded in 1909
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Brennan Quintus
Insurance President/CEO
Russell D Schank
Sr. Vice President & Chief Investment Officer
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