Vice President of Credit Administration

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Job description

The Vice President of Credit Administration is a member of the VISIONBank management team. This position oversees the overall credit administration of the organization and manages the credit department. An integral part of the lending team, this individual will work in close partnership with credit analysts, internal lending staff, clients, participant banks, and individuals from various guaranty programs. This position is also responsible for the preparation of detailed credit reports, Board of Director reports, and many ad hoc projects.

SPECIFIC DUTIES
* Direct supervision and coaching of the credit team (Credit analysts and assistants)
* Consistently evaluate the overall quality of the loan portfolio, recommending changes to risk ratings when appropriate
* Communication and point of contact for client relationships (particularly large commercial clients), ensuring seamless collaboration in the loan process, including facilitation of loan closings
* Preparation and review of Loan Committee presentations for accuracy and consistency
* Ensure bank compliance with Regulation O and legal lending limits
* Examine concentration risk within loan portfolio and report risks to the Board of Directors
* Monitor Watch List credits, and relay findings on Watch List report for the Board of Directors
* Observe compliance with Loan Policy and make recommendations for policy updates
* Analyze and monitor the Allowance for Loan and Lease Losses (ALLL) and recommend an appropriate ALLL level to the Board of Directors
* Manage loan participations, communicating with participant banks on a regular basis
* Assess challenging loan situations (workouts) to bring to successful resolution
* Coordinate and assist with periodic audits, exams, and independent compliance reviews

ESSENTIAL SKILLS
The applicant must possess thorough knowledge of internal loan policy and outside banking guidelines and regulations. The individual selected for this position must have the ability to effectively and objectively analyze credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals.
In addition, the following are essential skills required in this role:
* Excellent judgment and decision-making ability
* Strong written and oral communication skills, including ability to write detailed reports, business correspondence, and procedures
* Effective and impactful presentation skills
* High level of expertise with computers and software programs used to analyze data
* Proven high-impact coaching skills and supervisory experience
* Thorough understanding of financial statements
* Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists

*Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions.

EDUCATION AND EXPERIENCE
Bachelor's degree from four-year college or university; Minimum five years related credit administration experience, including prior background in leading and supervising a team.

ABOUT VISIONBANK
We are the Bank With the Dogs! VISIONBank is a local, community bank with three locations in the FM area. Founded on a very simple and decisive way of doing business, we are committed to "Getting it Done" in every aspect by providing the best in banking products and services while delivering responsively and finishing well. What sets us apart is our unparalleled service and customer focus. At VISION, our clients are "family," and building relationships is our top priority. Our very own black labs, Piper and Scout, are waiting to greet you at the door! Visit our best-in-class team today to experience the VISION difference!

VISIONBank offers competitive salaries, immediate enrollment in health, dental and vision insurance, 401k retirement plan, group life insurance, and educational opportunities to learn and grow in your position.

Click "apply" to apply online

VISIONBank Equal Opportunity Employer

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