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District Credit Administrator II

Company: The Deamer Group
Location: Bakersfield
Posted on: January 25, 2023

Job Description:

The Deamer Group is currently in search of a District Credit Administrator II in Bakersfield, CA. This is a Full-time, permanent position for a Financial Institution. Qualified candidates must submit a resume for consideration. Please review the full description for details.

Position Summary
The District Credit Administrator II reviews and approves a broad range of commercial credits and credit exceptions, which fall outside the approval authority of individuals, departments, branches or regional commercial banking offices. Must have a strong credit background, including cash flow analysis, tax return analysis, balance sheet and income statement analysis and general commercial and consumer underwriting experience. Must be completely conversant in credit policy, procedures, and underwriting guidelines as well as regulatory issues and actively uses this knowledge base to promote sound loan growth and portfolio management. You will be responsible for managing the commercial underwriting process from origination to loan closing and manages a team of Commercial Credit Underwriters and Commercial Credit Analysts in providing excellent underwriting support to Relationship Managers and other Bank credit

Key Responsibilities


  • Reviewing and approving commercial credits and credit exceptions that fall outside the approval authority of individuals, departments, branches, or regional commercial banking offices
  • Having a strong credit background, including analyzing cash flow, tax return, balance sheet and income statement to assess creditworthiness
  • Being knowledgeable in credit policy, procedures, and underwriting guidelines, as well as regulatory issues
  • Managing, mentoring, and providing guidance to a team of Commercial Credit Underwriters and Analysts
  • Analyzing moderately complex financial and credit information and assessing key risk factors such as management depth, industry characteristics, and economic trends
  • Recommending credit approval requirements, including establishing financial performance covenants, monitoring requirements, and other loan provisions
  • Ensuring accurate grading of new and existing credits based on credit analysis and knowledge of the bank's risk rating system
  • Managing the commercial underwriting process from origination to loan closing and ensuring compliance with regulations
  • Monitoring and managing assigned portfolio of commercial loans, ensuring timely renewals, minimal delinquency, and required periodic reporting


    Qualifications


    • Bachelors in Finance, Business Administration or Accounting, or 8+ years of relevant related work experience required.
    • 5+ years of experience in leadership and training
    • 10+ years of overall Banking experience



      ***
      We review every resume that is received. Unfortunately, we are unable to respond to every candidate. It usually takes one to two weeks for us to review your application. All applications will remain on file for consideration for future opportunities. Thank you in advance for your application!

      The Deamer Group is an equal opportunity employer with a goal of recruiting a diverse workforce to meet the hiring needs of our clients.

Keywords: The Deamer Group, Bakersfield , District Credit Administrator II, Accounting, Auditing , Bakersfield, California

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