Consumer Credit Analyst jobs in Kennewick, WA

Description

Oversee small business and consumer loan departments, taking responsibility for efficient credit administration, lending operations, and relationship management.

Classification: Full-Time FLSA Status: Exempt Department: Lending

STATEMENT OF EXPECTATIONS

Community Bank expects all employees to comply with the responsibilities of their assigned position to the highest degree of performance by:  

• Adhering to the Company’s policies and supporting Management decisions and goals in a positive, professional manner.
• Representing Community Bank with a high level of integrity and professionalism.
• Maintaining knowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including, but not limited to, the Bank Secrecy Act.
• Demonstrating a willingness to adapt to changing business needs and deadlines.
• Possessing a work ethic that includes neatness and punctuality.
• Exhibiting a professional, business-like appearance and demeanor. 
• Treating all individuals and groups with respect and dignity. 
• Performing the essential functions of their job safely, without endangering the health and safety of themselves or others.

Requirements

Essential Functions

• Supervise business loan underwriters, promoting positive leadership and direction for their development and providing a resource for various credit administration, lending structures, and relationship management issues.
• Supervise consumer lenders/underwriters for loan organization, filing, maintenance, and loan servicing.
• Act as program administrator for loan underwriting software.
• Provide feedback to Senior Management on employee performance.
• Promote and market the Bank by participating in various community organizations and events.
• Analyze and process loan requests and make loan decisions within established limits.
• Review loan requests submitted by loan officers as required by loan policies, which may include making recommendations to the CCO, President, Board, and Loan Committee.
• Maintain frequent contact with branch lending staff.
• Attend continuing education classes and/or training sessions as required.
• Responsible for completing Digital University and all other training courses as assigned.

Additional responsibilities

• Maintain current employee information in the Disaster Recovery Plan for direct reports.
• Review employee time cards, edit, correct and approve each pay period; monitor employee leave time to insure it is being used according to company policy; notify Human Resources when an employee requests, or may require, an extended leave of absence (such as FMLA); conduct performance reviews; prepare disciplinary documentation when appropriate; and complete the necessary paperwork and process when hiring or terminating an employee.
• Perform other duties as assigned.

Environment and Interaction

Work areas are inside, in a climate-controlled environment, with moderate background noise. Position may involve exposure to potentially hazardous conditions (e.g., robbery).

• Reports To: Chief Credit Officer
• Supervises: Business Loan Underwriters, Consumer Loan Underwriters, and Credit Analysts

MATERIAL AND EQUIPMENT USED:

Computer, Fax Machine, Copier, Printer, Typewriter, E-Mail, Telephone, Voice Mail, General Office Supplies, Automobile

Physical Activities Required to Perform Essential Functions

Sitting/Mobility: Approximately 90% of time is spent working at a desk. Balance of time (approximately 10%) is spent moving around work areas.

Communication: Ability to effectively communicate with co-workers, clients and outside agencies in writing, in person and over the phone.

Vision: Ability to effectively use a computer screen and interpret printed materials, memos and other appropriate paperwork.

Lifting/Carrying: Ability to transport files and supplies.

Stooping/Kneeling: Ability to access files and supplies.

Reaching/Handling: Ability to input information into computer systems and retrieve and work with appropriate paperwork, equipment and supplies.

Proficiencies

• Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone.
• Solid word processing and computer database skills.
• Good interpersonal skills with the ability to effectively work with individuals and groups at all organization levels; ability to work independently and as part of a team.
• Ability to take initiative and prioritize tasks; good time-management, organizational, problem-prevention and problem-solving skills.
• Knowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including but not limited to the Bank Secrecy Act.
• Strong analytical ability with active listening skills.
• Ability to work accurately with close attention to detail.
• Ability to maintain confidentiality of sensitive information.
• Ability to work accurately with close attention to detail.
• Ability to maintain confidentiality of sensitive information.
• Ability to study and apply new information.

Education and Experience

• Bachelor’s degree in Business Administration, Accounting, Finance, or equivalent related experience.
• At least five (5) years of business lending experience and five (5) years of supervisory experience, preferred.
• Experience using nCino lending platform preferred.
• Possess a valid driver’s license.
• Must be bondable.

COMPANY BENEFITS

• Comprehensive employee benefits, including: medical, dental, vision, LTD, and life insurance, HSA contribution
• Paid vacation, sick, plus federal holidays
• 401k with employer match
• Tuition reimbursement
• Employee stock/profit sharing plan