Posting Date: 07/01//2022
Location: San Jose, CA
Department: Credit Administrator
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Primary Responsibilities:
As requested, and within delegated authority, act as credit approval officer on transactions in excess of regional office limits. Upon request of regional offices, act as “alternate/designee” officer on transactions within bank limits. As requested, and working in tandem with regional offices, participate in outside calling efforts in matters related to business development and civic organizations. Assist regional offices with credit structure, underwriting, risk evaluation and policy compliance. Develop and recommend changes to the Loan Policy and monitor regional office compliance. Provide support to the loan review and examination functions. Provide a loan administration resource to regional offices and loan servicing department. Conduct periodic review of existing credits to ensure proper risk grade evaluation and confirm recommended changes. Provide training opportunities to lending personnel using nCino. Complement/work in sync with other Credit Administration personnel and/or nCino SMEs (Subject Matter Experts). Provide lending personnel with training, on-going education and civic organization contacts and experiences, etc. related to the contractor industry. Develop and train a centralized Credit Analysts/talent pool from which Regions can seek to fill open lending positions (if/when this program is initiated).
Compliance Responsibilities: Oversees compliance of credit related products. Responsible for ensuring compliance with all aspects of job related laws and regulations. Responsible for keeping compliance knowledge current by reading pertinent compliance related materials. Job related laws and regulations include, but are not limited to, the following: Truth in Lending (Regulation Z); Equal Credit opportunity (Regulation B); Fair Housing Act; Flood Disaster Protection Act; Adjustable Rate Mortgage Regulations; Emergency Preparedness; Financial Privacy Laws; Home Mortgage Disclosure Act; Fair Credit Reporting; Fair Debt Collection Practices Act; Loans Secured by Margin Stock (Regulation U); Credit Practices Rule (Regulation AA); Community Reinvestment Act; HUD Delinquent Homeownership Counseling; Real Estate Appraisal Regulations; and Real Estate Settlement Procedures Act (Regulation X), Regulation O, and Tax Reporting Regulations.
Summary:
Credit Administration: Activities will primarily focus on real estate and commercial loan portfolios with an emphasis on the contractor industry.
Training Manager: Provide training opportunities for Bank lending personnel using the nCino software platform and/or involved in contractor lending. Develop and train a centralized credit analyst pool (if/when this program is initiated).
Position works in concert with the Chief Credit Officer, Chief Executive Officers, Credit Administrators and lending personnel in the overall development and implementation of Loan Policy. Job duties are focused in the areas of administration, credit structure and credit compliance.
Benefits include competitive salary, bonus plan, medical, dental, group life & long term care insurance, vision care reimbursement, 401(k), and tuition reimbursement program, and a health club allowance.
