Senior Credit Analysis & Administration Lead

Evolving Solution Services

Shepherdstown (WV)

On-site

USD 85,000 - 120,000

Full time

14 days+

Application generator

Stand out for this role — generate a tailored resume and cover letter in about a minute.

Get past ATS filters

Benefits offered by this job

Medical, Dental and Vision Insurance

Short-Term Disability

Long-Term Disability

Life Insurance

401(k) Plan

Vacation

Sick and Personal Time Off

Paid Federal Holidays

Learning and Development Program

other optional insurance packages

Job summary

Jefferson Security Bank is seeking a Credit Administration Officer in Shepherdstown, WV. The role oversees credit analysis, reviews proposals, ensures policy compliance, and guides staff in credit risk management.

Responsibilities include presenting proposals to senior management and board, supervising underwriting, and maintaining regulatory compliance. The candidate should have strong analytical, communication, and leadership skills with 5+ years in credit roles.

Qualifications

Bachelor’s degree in accounting, finance, related field or equivalent experience.
Masters degree or CPA preferred.
Minimum of 5 years of experience in credit administration, credit analysis, or direct lending with a financial institution.
Fluent in community bank loan operations, credit analysis, and regulations affecting all loan types.
Excellent verbal, written, and interpersonal communication skills.
Strong analytical skills with high attention to detail and accuracy.
Familiarity with LaserPro Lending and Jack Henry core banking system preferred.
Experience with tax returns and financial statements and the ability to analyze financial statements and related documentation.

Responsibilities

Assist with the administration and management of policies, standards, practices, and security measures for all department functions to ensure effective and consistent department operations.
Assist with planning the continual upgrading of equipment and procedures to maintain pace with technological progress, economic change, and business needs.
Perform standard supervisory administrative duties.
Exhibit a leadership presence by engaging analysis staff and setting clear expectations of the quality and quantity of performance.
Provide ongoing training and support for credit analysis staff.
Oversee the preparation and presentation of credit proposals to Senior Management, Loan Committee, and the Board of Directors.
Complete presentations of credit proposals for more complex situations, or as needed to maintain workflow, for presentation to Senior Management, Loan Committee, and the Board of Directors.
Assist lenders in determining creditworthiness of applicants and terms under which credit will be granted.
Review the underwriting documentation for loans that are approved at the officer level to determine compliance with bank policy and management within Board approved risk parameters.
Supervise the centralized consumer underwriting and approval process.
Perform and supervise all aspects of financial analysis as necessary, including management of the Bank’s credit analysts.
Perform and supervise all aspects of the annual credit review process.
Supervise the centralized collections and special assets process.
Oversee the timely and accurate review of loan risk grades.
Ensure timely notification, collection, and proper filing of annual customer financial information.
Prepare and review reports pertaining to lending activities for management and Board reporting.
Assist loan officers to support lending activities and goals.
Assist auditors, examiners, and other third-party consultants in their review of the Bank’s operations or portfolio.
Work with lenders and department staff to identify, monitor, and resolve credit and documentation exceptions identified by all sources.
Stay informed of developing trends in the lending industry.