Horizon Bank
  • - Credit Administration
  • Michigan City, IN, USA
  • Full Time

JOB OVERVIEW
Credit Administration Supervisor is responsible for overseeing the day to day activities of processing and closing all consumer and commercial lending transactions. Provide supervision, development, coaching and training to loan processors. Ensure compliance with state and federal regulations, company policies and established Standard Operating Procedures (SOPs). Manage work processing to ensure loans progress through the pipeline efficiently and effectively and that loans close in a timely manner.


PRINCIPAL ACCOUNTABILITIES
Accountable for establishing and monitoring internal processes to ensure procedures and processes comply with regulatory changes and that critical duties are completed timely and accurately, coordinating with other departments as needed. Contribute towards the execution of the annual Credit Administration operating plan and provide training, coaching and coordination of cross-functional teams within Credit Admin/Loan Servicing departments..
Support customer service activities, business development initiatives, risk management and compliance requirements. Direct management responsibilities include support of daily loan processing duties, monthly reporting functions and overall pipeline management. Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to all applicable regulations, compliance standards, quality of documentation, as well as timeliness and volume of sales and service activity. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities we serve through active involvement in local organizations and events.


DUTIES
• Monitor the regulatory environment and update procedures and processes to comply with regulatory changes.
• Oversee and ensure timely processing and completion of all loan files by directing the work of the processing team and effectively managing the pipeline.
• Communicate regularly with internal and external customers regarding progress of loan approval, loan conditions, appraisal approvals and denials.
• Serve as the primary liaison between processing department, loan officers and analysts to resolve loan level issues.
• Assist processors and loan officers in troubleshooting and reworking challenging commercial loan files.
• Conduct daily monitoring of loans for compliance, working closely with Internal Audit to clear any audit exceptions.
• Review and update processes to ensure efficiency and adjust daily duties within the department to balance workloads
• Review tickler report monthly to ensure proper follow up of outstanding items
• Follow up on critical duties such as adverse action letters, disclosures and vendor orders to ensure with team that procedures are updated and these are completed timely.
• Provide management with weekly, monthly and quarterly reports as directed, such as HMDA
• Accountable for ensuring adherence to established regulations, policies, Standard Operating Procedures (SOPs), and instructions.
• Report suspicious transactions or unusual occurrences to supervisor.
• Maintain customer confidence and protect bank operations by keeping information private and confidential.
• Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks
• Other duties and projects assigned


Personnel Management
• Lead recruitment efforts and partner with Human Resources to make hiring decisions.
• Coordinate training for new hires and in conjunction with performance and developmental needs.
• Provide new hire training and on the job training programs for all new hires ensuring that they are fully trained on our policies, procedures and expectations within the first 90 days.
• Monitor behavior and results to effectively coach and motivate team members to achieve service and sales goals.
• Ensure staff complies with all regulatory compliance with current and pending applicable rules, laws, and regulations.
• Prepare and conduct scheduled performance evaluations to ensure staff is meeting or exceeding individual and department goals. Address and document performance issues.
• Schedule employees, manage time off requests and approve weekly timecards.
• Responsible for building and developing a successful team. Involve staff in planning, decision-making and process improvement.
• Responsible for encouraging continuous enhancement of subordinates' knowledge and competencies to foster their successful career advancement.


QUALIFICATIONS AND SKILLS
• High school diploma or equivalent required; college degree in business, finance or related field of study preferred, with minimum of 2 years of loan processing or loan servicing experience; or equivalent combination of education and experience.
• 2+ years supervisory experience preferred
• Knowledge of State and Federal lending regulations (e.g. RESPA, Reg Z, Reb B, TRID, ECOA, State Fair Lending, as well as in-depth understanding of loan products, loan servicing, collateral, and regulatory lending requirements.
• Strong knowledge of Microsoft Office software applications. Experience with loan documentation software (Laser Pro) preferred.
• Exhibit a high level of customer service orientation. Display a friendly and personable demeanor and a high degree of integrity. Must be trustworthy, conscientious, courteous, of stable temperament, self-motivated, highly organized and be accountable for personal conduct, actions and decisions.
• Successful candidates must have strong leadership skills, excellent interpersonal and time management skills, and a demonstrated attention to detail. Ability to effectively respond to customer needs and willing to solicit feedback to improve service.
• Ability to follow detailed instructions and a wide range of procedures requiring superb analytical and detailed documentation skills and experience managing appropriate risk and making sound decisions.


CORE COMPETENCIES
• Composure • Motivating Others
• Decision Quality
• Managerial Courage • Priority Setting
• Time Management


PHYSICAL REQUIREMENTS
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA)


Physical Demand: Percentage of Time:
• Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. Able to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. 75% - 100%
• Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the branch. Able to grasp, move and sort forms and papers. 75% - 100%
• Operate a computer and other office machinery such as calculator, copy machine, printer and telephone 75% - 100%
• Regularly move about the office to access file cabinets, storage drawers and various office equipment 50% - 100%
• Able to study, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Able to write reports, business correspondence, and procedure manuals. 50% - 75%
• Able to remain in stationary position 50% - 75%
• Occasionally position self to reach heights between floor and 6' <25%
• Regularly travel to other locations such as customer's office or other Horizon locations to meet with customers. Some overnight travel may be required. <10%


This Job Description reflects management's assignment of duties and responsibilities
and is subject to change at any time.

 

EEO Employer/Vet/Disabled




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