Credit Administration Manager at First Citizens Community Bank in Wellsboro, Pennsylvania

Job Description:

Oversee commercial loan documentation and work to develop procedures to ensure all documentation and approval requirements are completed prior to loan funding. Review commercial appraisals and ensure the property conforms to the bank's collateral guidelines. Is responsible for maintaining up-to-date reporting on credit files including current financial statements, covenant compliance, collateral inspections and periodic appraisals. Monitor loan collateral and ensure that the bank's interest is properly protected.
Oversee all credit and loan administration processes and activities ensuring quality and efficiency of Review existing loan policies to ensure policies are updated to protect the bank. Ensure that loan proposals adhere to existing policies and guidelines.
Produce critical reports used to monitor individual loan and portfolio performance including portfolio mix, covenant monitoring, exception monitoring, and concentration reports.
Oversee construction loan advances, ensuring that the bank has a priority lien position and that advances adhere to approved loan terms and budgets.
Provide significant support to Deputy Chief Credit Officer, Chief Credit Officer, Chief Lending Officer and Lending Teams assisting with structuring complex loans, answering credit policy questions, and monitoring existing loans.
Develop and maintain a personal program for maintaining an adequate level of knowledge in banking, management, and demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance.