What are the responsibilities and job description for the SENIOR CREDIT ADMINISTRATOR position at Summit State Bank?
Summit State Bank is a community-driven bank dedicated to making a positive impact on our employees, customers, and the communities we serve. We pride ourselves on creating a supportive environment where employees are valued and given opportunities to thrive. If you’re looking to build a rewarding career with an employer that values your contributions, we encourage you to apply!
We are seeking a Senior Credit Administrator to join our team. This key role is responsible for overseeing the credit risk management process by evaluating, approving, or declining credit requests. The position requires a blend of administrative oversight and decision-making in the underwriting process, ensuring compliance with established policies and regulations while maintaining the highest standards of credit quality. The ideal candidate will have a minimum of 5 years of experience in credit and underwriting management, experience with ACL methodology and previous delegated credit approval authority.
Primary Responsibilities
- Oversee the credit risk management process for both new and existing clients.
- Evaluates and examines credit requests which exceed local authority in order to assess credit worthiness including loan quality, credit risk classification, loan structure, collateral analysis, pricing and adherence to Bank policies. Approves or declines credit requests within assigned authority. Analyzes and recommends approval/declination of credit requests which exceed assigned authority
- Supervise the underwriting process, ensuring accuracy and consistency in credit decisions.
- Monitor and manage the performance of the credit portfolio, ensuring early identification of potential defaults or delinquencies.
- Generate detailed reports on credit performance, underwriting metrics, and risk exposure for senior management.
- Ensure all credit activities adhere to both internal company policies and external regulatory requirements.
- Lead and manage a team of credit analysts, underwriters, and credit administrators.
Summit State Bank offers a generous benefits package that supports our employees’ needs. The benefits offered include Medical, Dental, Vision, FSA, Life, AD&D and LTD coverage, employer HSA contributions of up to $4,000 annually, a 401(k) with employer-matching contributions. Summit State Bank also provides tuition reimbursement, wellness resources, internal mentorship programs and paid volunteer time off. All full-time positions are eligible for a minimum of three weeks of paid vacation annually.
All applicants should apply on our website: https://www.summitstatebank.com/careers.php.
Pay Range: $130,000-$160,000
Summit State Bank is an Equal Opportunity/Affirmative Action Employer and provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
Salary : $130,000 - $160,000
