Credit Administration Representative

Posted Tuesday, March 10, 2026 at 6:00 AM

Merchants Bank,
Winona
, has an opening for a Credit Administration Representative.

This position involves the review and due diligence associated with Commercial, Ag, and Consumer loan transactions during the loan origination and monitoring functions. Duties primarily are in the Post Close area include preparing consumer and mortgage loan satisfactions, loan input check-back and data collection, and processing paid notes and completing lien perfections.

Requires a well-organized and motivated individual with good time management skills, a high level of accuracy, and ability to remain calm under pressure. Must have excellent communication skills and be a team player.

Merchants Bank offers competitive wages and benefits for our full-time employees including health, dental, life, disability and vision insurance; flexible spending accounts, 401(k) and ESOP retirement plans; bonus plan; paid time off; tuition reimbursement; and a variety of voluntary supplemental insurance options.

Please click on Apply Now or apply in person
at Merchants Bank, Winona (102 E 3 rd Street). Questions can be emailed to  Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.

The incumbent will perform review and due diligence activities associated with Commercial, Ag, and Consumer loan transactions during the loan origination and monitoring functions. The primary responsibility of the Credit Administration Representative position is to obtain and review executed loan documentation, customer information, as well as determining transaction compliance with applicable internal bank policy, procedures, and regulatory requirements. Success in this role will include fostering a collaborative relationship, process, and procedures that benefit all stakeholders in the lending process.

The incumbent will demonstrate strong verbal and written communication skills, a can-do-attitude, while being able to develop amicable solutions of moderately complex situations with internal and external customers. Position will support credit related staff at all Merchants Bank locations and will perform duties in a centralized function located in the Winona Credit Administration Center.

Employees with this job description are cross trained in certain areas of special emphasis. Each individual time is split: 25% of their time attributed to the "General" requirements and 75% of their time to an area of "Emphasis" on a daily basis.

• Regular and dependable attendance is an essential function of the job.
• Employee will be expected to contribute to a positive working environment through words and actions.
• Employee will be expected to greet internal and external customers in a friendly and outgoing manner.
• Employee will be expected to take responsibility to ensure that internal and external customers receive outstanding service.
• Employee may be asked to perform other duties as required by business needs.
• Employee will be expected to complete compliance and product knowledge assignments in a timely manner.

• Supports the lending functions of the bank by preparing, reviewing, and/or retaining various loan documentation. This will be dependent upon focus area.
• Responds to internal and external customer phone or written loan inquiries in a courteous, prompt and accurate manner by phone, as well as, through written correspondence;
• Distributes and/or reviews a wide variety of reports both within and outside the department;
• Possesses knowledge and understanding of reports which remain within the department;
  Maintains proper retention of reports within department;
• Research identified customer problems utilizing problem solving skills to hypothesize causes;
  Communication including recommendations with manager for correction and prevention of continued problems;
• Performs other duties as requested by manager within the Bank.

Work is performed under minimal supervision according to established policies and procedures. Emphasis of this position is to barcode and import various documentation to bank’s document retention software and…