Credit Administration Analyst bei Peoples Security Bank & Trust Company

Description

Our Credit Administration Analysts are responsible for providing support for Credit Administration responsibilities in order to ensure the efficient and accurate reporting, analysis, servicing, and review of the loan portfolio; implementing strategies to achieve goals developed for the department as part of the bank’s annual operating plan; ensuring the department’s compliance with operating policies and procedures and outside regulatory requirements; and communicating with appropriate management and employees.

Essential Duties

• Ensure that all activities are conducted in accordance with established bank lending policy procedures and related SOX controls.
• Assist in the maintenance of loan policies and procedures for all types of loan and credit related processes.
• Work closely with related department personnel to integrate activities and enhance internal operations.
• Assist with regulatory compliance efforts and monitor department adherence to regulation.
• Provide support for the preparation of the Allowance for Credit Losses (ACL).
• May meet with internal bank personnel and lending customers to resolve problems, provide information, etc.
• Assist examiners (State, FDIC), internal and external bank auditors, and external loan review staff with any requested information.
• Assist in performing a collateral analysis on impaired loans using all available information to assign an accurate value to the collateral.
• Responsible for the preparation of various monthly, quarterly and annual portfolio risk management and related reports.
• Perform OREO accounting and analyses. Maintains OREO reporting and records.
• Ensure all reports reconcile to general ledger when applicable.
• Gather information on bank’s loan portfolio and prepare reporting, which may include but is not limited to various portfolio analysis reports, ACL Qualitative Factor Narratives, and tables for the Bank’s SEC disclosure tables. Provide other various ad hoc reporting as needed.
• Assist in implementation of strategies to achieve goals assigned to the department as established in the bank's annual operating plan; assist in the development of the annual budget for the department and adheres to budget parameters.
• Abide by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.
• Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements, e.g., Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.; ensures that the department and all personnel adhere to the same.
• Communicate with the Senior Risk Officer, other department managers, and appropriate staff to integrate goals and activities.
• Provide periodic reports to the Chief Risk Officer, Chief Credit Officer and Senior Risk Officer and other groups as required throughout the Bank.

Benefits Offered to Peoples Security Bank Employees

**Our College Tuition Reimbursement Benefit can help you achieve your long-term career and educational goals**

• Medical Plans
• Dental Plan
• Vision Plan
• Life Insurance
• Disability Insurance
• 401(K) Plan
• ESOP Plan
• Paid Time Off
• Paid Holidays
• Employee Assistance Program
• Banking Classes
• Internal Advancement Opportunities

Company Overview

Community has and always will be our purpose. We were founded on the principle to be a bank that people can trust. We would not be where we are today without the dedication that our employees have had since we first opened our doors. Our values still hold true to this day and we are making strides to continue to grow with our amazing team.

We believe that operating with a core set of values will be integral to the success of Peoples Security Bank & Trust for our employees, customers, shareholders and communities.

• PEOPLE | Working together for a common good by engaging our customers and communities.
• SERVICE | Consistently deliver a safe, reliable and positive banking experience for our customers.
• BETTER | A commitment to excellence in every interaction.
• TRUST | Integrity, accountability, guidance, and support form the foundation for every customer engagement.
  

We believe our team is what makes our organization successful. Hearing their stories show a path of growth and enrichment in their careers. Every single team member truly makes a difference within our company and we're grateful for each employee who chooses to work with us.

Peoples Security Bank and Trust Company is an Equal Opportunity Employer.

Requirements

Education/Training: A B.S. or B.A. degree in a related field of study normally required; specialized commercial credit servicing education and analytical training.

Skill(s): Must demonstrate strong communications skills, proficient computer skills, and competent interpersonal relations skills. Knowledge of current lending laws and regulations as well as lending policies and procedures must be evident. Exhibits familiarity with spreadsheet analysis techniques and must have experience leading teams.

Experience: A minimum of three (3) to five (5) years of experience in related positions normally required.

Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the essential job functions of this position, the employee is regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms. At times required to stoop, kneel, bend, crouch and lift up to 25 pounds. This position requires regular use of a computer.