Enterprise Credit Administration Officer

Overview

Responsible for enterprise‑wide credit and lending administration. This includes oversight and responsibility for consistent implementation of credit policy across all bank markets. The Enterprise Credit Administration Officer (ECAO) will work collaboratively with other department leaders, senior loan officers and senior credit officers to develop policy, processes, best practices and technology solutions in regards to underwriting, portfolio management, credit reporting, regulatory compliance, appraisal, environmental, monitored credit facilities, construction and loan administration and for special assets.

ECAO will also be responsible for ensuring the bank is responsive to new risks and regulatory requirements while positioning the bank’s credit policy to accommodate growth and complexity.

• Position will serve as chair of the credit policy committee (CPC), the CPC Working Group and is the owner of corporate credit policy.
• Collaborates with the market‑based Senior Credit Officers (SCOs) and the Credit Policy Committee (CPC) Working Group on the development and consistent administration and execution of credit policy and related underwriting, approval, documentation and other procedures to ensure adherence to our policies, laws, regulations and sound underwriting practices.
• Responsible for establishing and monitoring enterprise‑wide policies and procedures for compliance and regulatory requirements including Reg B, HMDA reporting, CRA reporting, loan review, fair lending, Reg O, and exception reporting.
• Position will function as a lead contact and interdepartmental liaison for enterprise‑wide credit administration; position interfaces with audit, finance, IT, risk, legal, regulatory examiners, Directors Risk Committee (DRC) of the board, and loan review (internal or external).
• Leverage technology solutions to support commercial lending practices, specifically provide leadership over utilization of loan origination/underwriting systems.
• Together with Enterprise Data Management, Lending Systems Administrator and Credit Risk Oversight Officer (CROO) ensure that commercial lending has necessary data reporting capabilities to accomplish internal monitoring objectives, meet compliance requirements and to support management’s strategic decision making.
• With Credit Risk Oversight Officer, the Bank has sufficient portfolio stress testing capabilities and executes portfolio stress testing with sufficient due diligence required to inform the CPC and DRC of appropriate portfolio segmentation strategies.
• Provide input to Learning & Develop group to support training of lending and credit staff on contemporary lending practices, periodic loan policy updates, and ongoing loan policy interpretation and execution.
• Maintain a working knowledge of loan compliance and regulatory requirements to ensure enterprise‑wide compliance.
• Maintain working knowledge of industry best practices and lending standards to provide strategic insight to Bank management.
• Measure credit quality against corporate objectives, regulatory requirements and peer benchmarks. Identify deviation and develop action plans to address them.
• Design and administer mechanisms to ensure consistent application and adherence to established policy and procedures, accomplished in part via having visibility into credit approval packages enterprise wide.
• Chair and voting member of the Credit Policy Committee.
• Designated as the bank wide Reg O Officer, responsible for ensuring lending and credit compliance with Regulation O.
• Provide oversight, direction and review of materials prepared by CROO for quarterly CPC and DRC meetings; participate in presentations.
• Responsible for managing the Commercial and Collateral Construction Management department which includes the administration of services in all Markets related to appraisal, environmental, construction monitoring, and collateral dependent facility monitoring.
• Responsible for supervision of the Enterprise Loan Administration Officer and the establishment of consistent, compliant, and best practices in lending administration processes across all the Bank’s Markets.
• Responsible for supervision of…