Credit Administration Officer

SustainableHR; Bismarck (ND); On-site; USD 80,000 - 95,000; Full time

Job summary

SustainableHR is seeking an experienced Credit Administration Officer to support credit administration and risk management in a growing financial institution. This role focuses on maintaining strong credit quality, consistent lending practices, and regulatory readiness, while collaborating with commercial and business banking teams, credit administration, special assets, and leadership.

The successful candidate will bring strong credit expertise, analytical ability, and organizational skills,

Qualifications

• Bachelor's degree in Finance, Accounting, Agricultural Economics, Business Administration or related field.
• 5–10 years of experience in commercial banking, credit administration, commercial lending, loan review, underwriting, portfolio management, or related discipline.
• Strong working knowledge of commercial lending and credit administration.
• Experience with agricultural, consumer, and/or construction lending is highly desirable.
• Experience with regulatory examinations, risk-rating systems, loan review, and credit governance preferred.

Responsibilities

• Support credit administration processes across commercial, agricultural, construction, consumer, and specialty lending portfolios.
• Help ensure consistent application of credit policies, underwriting standards, and credit administration procedures.
• Monitor credit policy exceptions and track outstanding corrective actions through resolution.
• Support risk-rating governance through monitoring, reporting, documentation, and follow-up.
• Coordinate watchlist reporting, portfolio reviews, and associated action items.
• Partner with Special Assets and other stakeholders regarding reporting and documentation for problem credits.
• Assist with preparation for regulatory examinations, loan reviews, audits, and independent credit reviews.

Skills

Credit analysis

Cash-flow analysis

Portfolio management

Financial statement interpretation

Regulatory knowledge

Communication skills

Education

Bachelor's degree in Finance, Accounting, Agricultural Economics, Business Administration

Tools

Banking software

Credit administration tools

Excel

Job description

Credit Administration Officer

Compensation: $80,000–$95,000 annually

Employment Type: Full-Time

Industry: Banking / Financial Services

Experience Level: Experienced Professional

Position Overview

We are seeking an experienced Credit Administration Officer to support the credit administration and risk management functions of a growing financial institution. This position plays an important role in maintaining strong credit quality, consistent lending practices, effective portfolio monitoring, and regulatory readiness.

The Credit Administration Officer will work closely with commercial and business banking teams, credit administration, special assets, and executive leadership. The successful candidate will bring strong credit expertise, analytical ability, and organizational skills while helping promote a disciplined and consistent credit culture throughout the organization.

Key Responsibilities

Credit Administration & Governance

• Support credit administration processes across commercial, agricultural, construction, consumer, and specialty lending portfolios.

• Help ensure consistent application of credit policies, underwriting standards, and credit administration procedures.

• Monitor credit policy exceptions and track outstanding corrective actions through resolution.

• Support risk-rating governance through monitoring, reporting, documentation, and follow-up.

• Coordinate watchlist reporting, portfolio reviews, and associated action items.

• Partner with Special Assets and other stakeholders regarding reporting and documentation for problem credits.

• Assist with preparation for regulatory examinations, loan reviews, audits, and independent credit reviews.

Credit Quality & Portfolio Monitoring

• Monitor criticized, classified, special mention, and watchlist credits.

• Analyze and report on credit quality and portfolio trends.

• Track risk-rating migration and support efforts to improve the consistency and accuracy of risk ratings.

• Monitor concentration risk, emerging credit concerns, and significant credit relationships.

• Support financial analysis, cash-flow analysis, stress testing, and guarantor assessment standards.

• Assist leadership in identifying, evaluating, and mitigating credit risk across the loan portfolio.

Credit Training & Development

• Coordinate structured credit training programs for lenders, analysts, market leadership, and other lending professionals.

• Assist with the development and administration of annual credit education plans.

• Coordinate credit discussions, portfolio review sessions, case-study workshops, examination-readiness training, and credit education programs.

• Track participation, completion rates, competency assessments, and training effectiveness.

• Partner with Human Resources to support onboarding and ongoing professional development.

• Help promote a consistent credit culture and continuous-learning environment across the organization.

Commercial Construction Draw Monitoring

• Monitor commercial construction loan draws for completeness and compliance with approved credit terms.

• Track draw requests, inspections, lien waivers, title updates, budget variances, contingency usage, and borrower equity contributions.

• Maintain construction draw monitoring logs and exception reports.

• Identify and elevate unresolved documentation issues, budget overruns, or approval concerns.

• Support strong documentation practices and examination readiness for construction lending activities.

Reporting & Management Support

• Prepare and maintain credit administration dashboards and management reporting.

• Monitor trends involving criticized and classified assets, risk-rating migration, policy exceptions, past-due loans, construction draw exceptions, and credit-training metrics.

• Provide accurate and timely portfolio information to support management decision-making.

• Assist executive leadership with portfolio monitoring, risk-management initiatives, and special projects.

Qualifications

Education & Experience

• Bachelor's degree in Finance, Accounting, Agricultural Economics, Business Administration, or a related field preferred.

• Approximately 5–10 years of experience in commercial banking, credit administration, commercial lending, loan review, underwriting, portfolio management, or a related discipline.

• Strong working knowledge of commercial lending and credit administration.

• Experience with agricultural, consumer, and/or construction lending is highly desirable.

• Experience with regulatory examinations, risk-rating systems, loan review, and credit governance preferred.

Knowledge, Skills & Abilities

• Strong understanding of credit analysis, cash-flow analysis, financial statement interpretation, loan structuring, and portfolio management.

• Working knowledge of banking regulations and regulatory expectations related to lending and credit administration.

• Strong analytical, critical-thinking, and problem-solving abilities.

• Excellent organizational and project-management skills.

• Ability to identify credit concerns and communicate recommendations clearly and professionally.

• Strong written and verbal communication skills with the ability to work effectively with lenders, analysts, senior executives, auditors, and regulators.

• Proficiency with banking systems, reporting tools, spreadsheet applications, and credit administration technology.

• Ability to manage multiple priorities and deadlines while maintaining accuracy, attention to detail, and accountability.

Compensation

The anticipated salary range for this position is $80,000–$95,000 annually, depending on experience, qualifications, and overall fit for the position.

Measures of Success

Success in this role will be demonstrated through:

• Timely and accurate credit administration and portfolio reporting.

• Effective monitoring and resolution of policy exceptions.

• Strong risk-rating accuracy and governance compliance.

• Consistent monitoring of criticized and classified assets.

• Effective management of commercial construction draw exceptions and documentation.

• Strong participation and completion rates for credit training initiatives.

• Continued regulatory and examination readiness.

• Timely resolution of audit, loan review, and examination findings.

• Meaningful contributions to portfolio quality and credit-risk mitigation initiatives.

Why Consider This Opportunity?

This position offers an opportunity to play a meaningful role in the credit and risk management strategy of a growing banking organization. The Credit Administration Officer will have broad exposure across lending functions and the opportunity to work directly with lending professionals, credit leadership, and executive management.

This role is well suited for an experienced banking professional who enjoys combining credit analysis, portfolio management, risk oversight, training, and process improvement and wants to contribute to the long‑term credit quality and growth of an organization.