Credit Administration Manager

Credit Administration Manager

John Marshall Bank is seeking a Credit Administration Manager to oversee credit risk assessment, loan monitoring and policy compliance for the Bank. Primary responsibilities include managing the loan portfolio stress testing, CRE concentration reporting, annual loan reviews, and the allowance for credit losses process.

• Commercial Real Estate (CRE) Reporting & Analysis
  • Prepare and maintain the CRE Concentration Report.
  • Conduct CRE audits, ensuring balances align with the General Ledger (GL).
  • Leverage advanced Excel skills (VLOOKUP, Pivot Tables) to analyze data and present findings.
  • Generate Co-Star reports and transform raw data into meaningful trend analysis by call code.
  • Research and interpret market data tied to call codes, preparing Board-ready reporting.
• Stress Testing
  • Bottom‑Up Stress Testing (Abrigo)
    • Audit CRE loan data, updating with NOI/appraisal information as needed.
    • Perform loan sample testing (amortization, appraisal, P&I) to verify accuracy of core‑to‑Abrigo data feeds.
    • Run tests, identify high‑risk loans, and analyze drivers of risk.
    • Produce balance sheet insights and compile Board reports.
  • Top‑Down Stress Testing (Abrigo)
    • Update top‑down models with data from Accounting.
    • Ensure Abrigo is current with quarter‑end financials.
    • Run analyses, interpret results, and deliver Board‑level reporting.
• Current Expected Credit Loss (CECL) Program
  • Reconcile CECL balances to both the GL and Abrigo.
  • Generate reporting from Abrigo, incorporating the qualitative framework.
  • Confirm reserve amounts monthly in partnership with Accounting.
  • Prepare quarterly Board and Steering Committee materials, including PowerPoint presentations, detailed minutes and supporting memos.
  • Develop and present Excel‑based charts for Board communication.
  • Manage annual CECL refresh process.
  • Manage any audits – internal or external.
  • Manage Validation process, including vendor selection and approval.
• Annual Review Process Management
  • Implement procedures for annual reviews.
  • Assign and manage the annual review process to ensure completion.
• Vendor Management & Governance
  • Lead vendor evaluations and due diligence for CECL validation.
  • Negotiate Abrigo contract renewals.
  • Draft recommendation memos for senior management and Board consideration.
• Covenant Compliance
  • Monitor and review the covenant mailbox daily to ensure timely assessment and resolution.
• Special Assets
  • Assist the Chief Credit Officer in the management of watch list loans either directly with borrowers or indirectly with lenders.
• Monthly Cyclical Responsibilities
  • Star – upload monthly data into the Lender Platform.
  • Loan Production Reports Package
    • This package consists of 7 reports derived from H360 data and other data reports provided by Accounting and Loan Operations.
    • All underlying data is compiled with various Excel spreadsheets and assembled into the final report package.
  • Loan Quality Reports Package
    • Consists of 8 or 9 reports derived from H360 data reports, some used in the Loan Production Reports.
    • Largest Borrower Exposure Report, manual adjustments of the filters within the underlying H360 reports, manual verification of cell references, and periodic review of relationships tracked for accuracy.
• Quarterly Responsibilities
  • Loans Maturing & Repricing (LMAR): analyze ~40 loans with upcoming maturity or repricing dates (within 18 months). Provide details on loans with projected DSCR under 1.10x and on those that have repriced or matured since last report.
  • Office & Multi‑Family Monitoring: analyze portfolio balances, area concentrations, and concentrations by maturity date for owner‑occupied and investor‑owned properties. Include summary in press releases.
  • Watch List Meeting: coordinate preparation of Criticized Asset Reports, conduct the meeting, and review minutes prepared by the Credit Administration Administrator.
  • Quarterly Board Reports: credit quality reports package of 5 reports from construction team, H360 data, and Ceris Reports;
    Quarterly CRE Policy Concentrations Guidelines Test Report, and additional reports as requested.
• Annual:
  Office Portfolio Report
  • Analyze entire Office portfolio above $1 MM in balances (investor‑owned and owner‑occupied). Provide…