Credit Administrator

Peoples Bank; Worthington (OH); On-site; USD 75,000 - 115,000; Full time

Job summary

Peoples Bank is seeking a Senior Credit Administrator to provide advanced administrative, analytical, and operational support within the Credit Administration function. The role focuses on loan modification reviews, risk governance, and regulatory compliance, partnering with cross-functional teams to ensure accurate reporting and strong internal controls.

You will independently manage loan modification reviews, coordinate examiner and auditor requests, and contribute to proactive risk management

Qualifications

• Bachelor's degree or equivalent work experience.
• 3+ years of commercial credit administration experience with emphasis in loan documentation and portfolio monitoring.
• Strong verbal and written communication skills and attention to detail.

Responsibilities

• Prepare and support materials for credit/risk committees, including minutes and follow-up actions.
• Manage the loan modification review process and assess regulatory and policy implications for modifications.
• Coordinate with Loan Operations, Credit, and Finance teams for accurate reporting and data integrity.
• Assist with examiner and auditor requests and audit readiness, coordinating with relevant teams.
• Analyze loan documentation and credit files to identify potential audit findings or policy exceptions.
• Communicate risks and mitigation strategies to senior leadership for informed decisions.
• Support corrective action plans in response to audit findings to strengthen controls.
• Audit risk rating accuracy post Account Status Change approvals.
• Periodically verify loan coding accuracy (NAICS and property type).
• Assist with risk research, reporting, and covenant tracking management.

Skills

Verbal and written communication

Attention to detail

Analytical thinking

Problem solving

Team player

Regulatory knowledge

Microsoft Office

nCino experience

Education

Bachelor's degree or equivalent

3+ years of commercial banking experience

Tools

Microsoft Office

nCino

Job description

At Peoples Bank, we know that there is more to life than work. But we also understand that the quality of the work environment and employee benefits can greatly impact an associate's life. That's why we seek to create a great benefits package for our associates including: 401(k) retirement plan with an employer match, employee stock purchase plan, various education assistance programs such as student loan and tuition paydown/reimbursement, paid vacation, holidays, and much more. For full details of our benefits offerings, please visit: peoplesbancorp.com/about-us/find-a-career/

Job Purpose

Provides advanced administrative, analytical, and operational support to the Senior Credit Administrator while independently executing key components of the Bank's Credit Administration function. Supports effective credit risk management by administering standardized processes, ensuring data integrity, and facilitating proactive portfolio monitoring and reporting.

Plays a critical role in the credit and risk governance activities, including committee coordination, Audit and examination readiness and loan modification reviews. Independently manage the loan modification review process, apply sound judgement to interpret credit approvals, assess policy and regulatory alignment and present findings to senior leadership and committees.

Collaborates cross-functionally to ensure accurate reporting, regulatory compliance and timely issue resolution. Through strong attention to detail, analytical rigor and clear communication contributes to risk identification, strengthened internal controls and informed decision-making across the organization.

Job Duties

• Provides advanced administrative, analytical, and operational support to the Senior Credit Administrator. This includes but is not limited to the following timely and accurate preparation and supporting activities for various credit/risk committees, including assembling packets, recording meeting minutes, and concisely memorializing follow up actions.
• Independently manages the loan modification review process, exercising sound judgment to interpret credit approvals and supporting documentation, assess regulatory and policy implications to validate whether modifications meet Significantly Modified Loan criteria and present findings to senior leadership and committees.
• Collaborate cross-functionally with Loan Operations, Credit, and Finance/FAR teams to ensure accurate classification and reporting of loan modifications. Maintain a high level of attention to detail and analytical rigor due to the complexity of interpreting loan data, credit memos, and policy requirements within tight reporting timelines.
• Assists Senior Credit Administrator in the coordination and compilation of examiner and auditor requests, responses, and documentation research. Facilitate the audit readiness process by coordinating with Commercial Banking, Credit, and Loan Operations teams to gather required documentation and resolve discrepancies.
• Analyze loan documentation and credit files to proactively identify potential audit findings, control gaps, or policy exceptions that may require mediation.
• Communicate identified risks, concerns, and recommended mitigation strategies clearly and effectively to senior leadership, enabling informed decision-making.
• Support the development and implementation of corrective action plans in response to audit findings, helping to strengthen internal controls and reduce future risk.
• Audits risk rating accuracy post Account Status Change request approvals.
• Periodically confirms loan coding accuracy and completeness (NAICS and property type) through reporting review and oversight.
• Assists Senior Credit Administrator with various credit risk research, reporting, and monitoring responsibilities related to financial statement collection effectiveness, borrowing base monitoring and covenant tracking management and oversight, and other key risk monitoring activities.
• Performs special projects as assigned.

Education, Job Skills and Qualifications

• Bachelor's degree or equivalent work experience. Multiple years of commercial banking experience preferred.
• 3+ years of commercial credit administration experience with emphasis in loan documentation and portfolio monitoring.
• Highly organized and attentive to detail.
• Solution oriented.
• Strong verbal and written communication skills.
• Strong problem-solving skills.
• Proven ability to exercise sound judgment.
• Current on applicable banking laws, regulatory requirements and credit/risk management practices.
• Proficient with the Microsoft suite of products and commercial loan origination system software platforms. nCino experience a plus.
• Team player.

Basic Qualifications

• Bachelor's degree or equivalent work experience.
• 3+ years of commercial credit administration experience with emphasis in loan documentation and portfolio monitoring.

Equal Opportunity Employer M/F/Disabled/Vet;

If you are unable to complete this application due to a disability, contact [e-mail] to ask for an accommodation, alternative application process or other inquiries.