Credit Administration Analyst I

JOB FUNCTION**: **

Calculate, analyze, format, and communicate information on the Allowance for Credit Losses (ACL), Watchlist, and Stress Testing the loan portfolio and other loan reports.

DUTIES & RESPONSIBILITIES:

• Responsible for calculating the Allowance for Credit Losses (ACL) through the CECL (Current Expected Credit Losses) model.
• Responsible for the analyzing and interpreting economic data to update forecasts in in the CECL model.
• Responsible for communicating the preliminary and final ACL results to management.
• Responsible for timely preparing the Watch List Report, working with lenders to gather and complete updates monthly, and preparing the Quarterly Watch List Memorandums.
• Responsible for recommending and making changes to Risk Grades on Loans.
• Responsible for performing regular stress testing of the loan portfolio and implement any changes to the test as needed by management.
• Responsible for timely preparing and distributing of the Commercial Real Estate (CRE) report.
• Responsible for preparing the monthly Allcodes report and preparing monthly loan reports for management.
• Responsible for preparing Ad-Hoc loan reports upon request
• Contact past‑due customers, coordinate repayment plans, work with legal partners on foreclosure or judgment proceedings, and oversee repossession activities for secured collateral.
• Monitor appraisal orders for commercial lending to ensure timely completion, verify compliance with Regulation B, distribute completed appraisals to prospective borrowers per regulatory requirements, and escalate appraisal‑related issues as needed.
• Perform other duties as assigned.

MINIMUM QUALIFICATIONS:

**Work Experience **

• Three years of experience in lending or loan operations to include reviewing loan documentation
• Must be innovative and able to work independently
• Must have excellent organization skills, attention to detail, ability to work under time constraints and good interpersonal skills
• Must have working knowledge of MS Office including Excel, Word, Teams and Outlook

Preferred Experience (Optional)

• 5 years of experience in lending or loan operations to include reviewing loan documentation

**Supervisory Experience **

• None required

Education/Skills/Experience

• Bachelor's Degree in Business, preferably with a Finance or Accounting major
• Strong writing, communication and analytical skills are required to include the ability to interact professionally with a diverse group; executives, managers, and subject matter experts

** Equipment/Machines/Software **

• Strong knowledge and experience using Microsoft Programs (Outlook, Word, Excel), and Internet Explorer
• Efficient usage of a Personal computer
• Ability to work with office equipment such as phone system, 10- key calculator, telephone, copiers, scanners, shredders, fax
• Preferred experience with; Jack Henry Silverlake, BUI

Competency Requirements

• Proven organizational skills with ability to shift priorities and follow assigned tasks through completion
• Ability to work independently with minimal supervision
• Must have high attention to detail with ability to focus on assigned tasks
• Must be accustomed to a fast-paced office environment

Physical Requirements

• Must be able to lift, push and pull files up to 25 pounds
• Must be able to bend, stoop, and be mobile within office environment
• Must be able to sit for most of the day in front of a computer
• Must be able to speak and hear customers
• Must be able to see computer screen to read and type on the keyboard

This job description does not imply an employment contract, nor is it intended to include every duty and responsibility that employee is responsible. Duties and tasks may be assigned by management team based on department and business needs.

Jefferson Bank is an EEO employer and an Affirmative Action Employer, M/F/Disability/Protected Veteran Status.

Click The Link Below To Be Redirected To The Equal Employment Opportunity Commission's Website To View The "Know Your Rights" Poster

https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf