Corporate Credit Administrator

Summary

Under the direction of the Chief Credit Officer, the Credit Administrator will be responsible for monitoring underwriting and loan administration quality including identification of detailed credit migration trends, problem loan administration, and reporting. Works with division banks to ensure compliance with established Bank policies and procedures and stays abreast of regulatory and audit issues. This individual will be considered a subject matter expert in loan related policies, procedures, credit underwriting, problem loan administration and quality control oversight.

This is a Corporate position which may be located at an available bank division location across our nine-state footprint in AZ, CO, ID, MT, NV, TX, UT, WA, or WY. Click here to learn more about our bank divisions.

The entry-rate for this position is $167,795.92 + / per year (calculated for Kalispell, MT). All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.

WA Applicants ONLY range: $182,767.80 to $274,151.68 a year.

Description

• Reviews requests for credit approval and provides feedback pertaining to credit quality, underwriting, and loan policy compliance in an effort to maintain consistency with the bank's overall loan growth and portfolio management objectives.
• Establishes and maintains quality assurance standards, procedures, and controls to ensure compliance with loan related policies, procedures, and regulatory guidance.
• Assists bank divisions in problem loan administration with the goal of creating solutions to limit credit loss potential.
• Monitors, analyzes, and reports data and trends regarding the bank's loan portfolio and asset quality.
• Assists in the development and maintenance of sound credit policies and the administration of systems, procedures and controls.
• Participates, and in some instances leads, special projects pertaining to credit administration or other company-wide initiatives.
• Assists in external and internal credit reviews and respective lending audits of the bank and bank divisions.
• Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date.

Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education

Required/Preferred

Education Level

Description

Required

Bachelor's Degree

Bachelor Degree required, preferred in Accounting, Finance, Economics, or Mathematics.

Experience

Required/Preferred

Experience Level

Description

Required

10+ years

Minimum of 10 years commercial banking experience required with an emphasis on credit administration.

Preferred

Proficient with database systems and reporting tools such as Microsoft Power BI.

Preferred

Experience making commercial loans and also developing loan policy.

Preferred

Prior experience with Probability of Default and Loss Given Default risk grading systems and stress test analytics.

Preferred

Experience working with Regulators and internal/external auditors.

Would an equivalent combination of relevant education and work experience be considered?: Yes

License/Certification

Required/Preferred

License/Certification

Description

Required Skills and Abilities

• Work frequently involves contacts requiring considerable discussion of problems, material presentations, and resolving issues impacting multiple departments or divisions. The ability to motivate or influence others is a material part of the job, requiring a significant level of professional diplomacy, trust and relationship. Obtaining cooperation and agreement (internally and/or externally) is an important part of the job and a expert level of interpersonal and written communication skills are critical to the success of this position.
• Ability to clearly communicate complex credit data in a clear, concise, easy to understand format for internal and external (investor reporting) use.
• Strong familiarity with key credit reporting metrics.
• Solid understanding of the investment community and reporting needs, including peer analysis and determining common themes of interest amongst investors and analysts.
• Strong understanding of industry credit reporting standards.
• Personal drive to develop best in class credit reporting.
• Solid understanding of credit to evaluate individual credit requests and also to make credit policy recommendations.
• Understanding of bank credit policy needs for a $20 B+ institution.
• Good understanding and familiarity with various presentation methods.
• Advanced written and verbal communication skills.
• High level of attention to detail.
• Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
• Employee must be capable of regular, reliable, and timely attendance.

Additional Requirements

Travel

Occasional travel required: (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Working Conditions

Environment: Indoors, a climate-controlled shared work area.

Noise Level: Moderate noise; not extreme or excessive; within reasonable limits.

Lifting: Sedentary work: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Vision

Close visual acuity to prepare and analyze data and figures, view a computer terminal, and read the computer screen, printed materials, and handwritten materials.

Physical Activities

Frequency

Balancing: Maintaining body equilibrium to prevent falling and walking, standing or crouching on narrow, slippery, or erratically moving surfaces.

Infrequent - rare.

Climbing: Ascending or descending ladders, stairs, scaffolding, ramps, poles and the like, using feet and legs and/or hands and arms.

Infrequent - rare.

Crawling: Moving about on hands and knees or hands and feet.

Infrequent - rare.

Crouching: Bending the body downward and forward by bending leg and spine.

Infrequent - rare.

Feeling: Perceiving attributes of objects such as size and shape, temperature or texture by touching with skin, particularly that of the fingertips.

Infrequent - rare.

Fingering: Picking, pinching, typing or otherwise working primarily with fingers rather than with the whole hand as in handling.

Daily.

Grasping: Applying pressure to an object with the fingers and palm.

Infrequent - rare.

Kneeling: Bending legs at knee to come to a rest on knee or knees.

Infrequent - rare.

Lifting: Raising objects from a lower to a higher position or moving objects horizontally from position to position.

Infrequent - rare.

Pushing: Using upper extremities to press against something with steady force in order to thrust forward, downward or outward.

Infrequent - rare.

Pulling: Using upper extremities to exert force in order to draw, haul or tug objects in a sustained motion.

Infrequent - rare.

Repetitive Motion: Making substantial movements (motions) of the wrists, hands, and/or fingers.

Daily.

Stooping: Bending body downward and forward by bending spine at the waist.

Infrequent - rare.

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!

We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please