Loan Quality Review Specialist

About The Role

Join one of the best banks in Arizona. Thanks to our amazing team, Foothills Bank has been named a Top Company to Work for in Arizona for five consecutive years!

POSITION SUMMARY

The Credit Administration Specialist will provide oversight for the loan department staff as assigned and monitor processes for continuous improvement, efficiency, and compliance with applicable regulations, with a heavy focus on loan quality control objectives that are consistent with the bank’s goals. They work to manage various projects to assist with the overall credit quality of the loan portfolio with emphasis on an adherence to policy and procedure.

Employee will have extensive contact with bank staff and will interact in a professional and courteous manner and conduct him/herself in such relationships in a manner that will enhance the overall efficiency and image of the bank.

MAJOR DUTIES & RESPONSIBILITIES

50%

Manage Quality Control function for Commercial Lending. This includes reviewing all credit actions for compliance prior to approval, collaborating with Loan Operations team for pre/post-approval review and managing correspondence from GBCI Quality Control team on reviews completed. Quality Control functions include (but not limited to): Loan Coding, Risk Rating Scorecard, Non-OO CRE underwriting, Credit Metrics.

20%

Coordinate with Credit Administration Team on projects assigned by GBCI – including (but not limited to): Internal and External Audit Preparation, GBCI Loan Operations projects, Problem Loan Reports and nCino.

20%

Maintain a high level of knowledge with nCino lending platform. Manage ongoing training and compliance for nCino platform with Credit Administration. Serve as a nCino resource for Lenders, Underwriting team and Loan Operations team. Interface with GBCI nCino team and TFB SME’s on new product releases, testing and communication.

10%

Cross-Train in LaserPro Document Generation process to provide an understanding of processing and documentation process.

About You

MINIMUM QUALIFICATIONS

Education and Experience:

• 2-3 years of experience in commercial credit structuring and underwriting, including time spent in preparatory positions.
• A Bachelor's degree with a Business and/or Finance emphasis.

Knowledge, Skill, Ability (Other Skills):

• Must possess strong verbal and written communication skills
• Ability to fully understand, analyze and structure various types of commercial loan requests
• Ability to fully understand various sectors of portfolio management including but not limited to risk rating, concentration analysis, stress testing, problem loan management and loan review.
• Ability to prioritize, meet deadlines, and handle multiple tasks simultaneous in a fast-paced, diverse, and growth-oriented environment.
• Must be flexible and able to work in cooperation with other bank staff and officers
• Must be able to deal with problems and difficult customers in a professional manner.
• A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience.
• Communications can involve motivating, influencing, educating and/or advising others on matters of significance.
• Thorough knowledge of various office software. Proficiency in Word, Excel, PowerPoint, Email and Calendaring

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 job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to climb stairs.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: 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 o…