Senior Credit Administrator, Business Lending – Credit Training

This is a fully remote position, open to applicants in Florida.

📋 Description

• Design, implement, and sustain formal credit training programs that encompass SBA, CORE, SSBCI, ACDBE, ACLP, NMTC, and additional lending products.

• Develop and maintain foundational, role-specific, and advanced credit training modules.

• Ensure version-controlled training materials are linked to loan policies, SOPs, regulations, and procedures.

• Monitor and report on the completion of credit training.

• Coordinate updates to training based on changes in policies, SOP revisions, quality control findings, and regulatory updates.

• Collaborate with the Training department on curriculum governance, instructional quality, and delivery standards.

• Create and maintain a credit competency matrix across various lending functions and products.

• Evaluate credit capabilities and pinpoint training deficiencies.

• Develop coverage plans and assist with succession planning for credit administration functions.

• Conduct product-specific credit assessments to identify gaps in processes, policies, and capabilities.

• Establish a feedback loop between Quality Control and Training.

• Suggest enhancements to underwriting consistency, eligibility evaluations, credit policy execution, and documentation quality.

• Document institutional credit knowledge, standards, best practices, CORE credit practices, and decision-making frameworks.

• Act as the designated successor for CORE credit administration responsibilities after completing the training program.

• Implement the strategic direction of lending operations to bolster service, loan growth, portfolio mix, product development, and quality.

• Collaborate with IT, Sales, Technology, Operations, Training, Fulfillment, Servicing, Quality Control, Compliance, and senior credit administration leadership.

• Ensure compliance of lending activities with federal and state regulations and company policies.

• Review and authorize large and complex loans prior to submission to the loan committee.

• Oversee new and renewed credit extensions for compliance with policy and regulations.

• Enforce and govern risk-rating and underwriting standards.

• Serve as the primary credit liaison to regulatory agencies, accountants, consultants, and others.

• Utilize loan data and business intelligence to enhance risk performance and guidelines.

• Identify potential problem credits and implement appropriate interventions to mitigate losses.

• Maintain up-to-date knowledge of the financial industry, economic conditions, market dynamics, and rates.

• Perform additional duties to support the efficient operation of the department.

⛳️ Requirements

• Bachelor’s degree in Accounting, Finance, or Business Administration.

• 7-10 years of experience in credit administration, underwriting, real estate loan underwriting, loan closing, problem asset management, and portfolio management within a financial environment.

• Strong expertise in SBA, conventional commercial lending, and credit policy interpretation.

• Proven track record in developing, implementing, or enhancing credit policies, procedures, standards, or training programs.

• At least 5 years of experience supervising staff.

• In-depth knowledge of credit analysis, loan structuring, eligibility criteria, and regulatory expectations.

• Ability to convert complex lending requirements into practical training content.

• Experience in identifying root causes of credit quality issues and executing corrective measures.

• Outstanding written communication, instructional design, facilitation, and presentation skills.

• Proficient in computer operations, including Windows-based software, word processing, and spreadsheet applications.

• Advanced financial analysis skills and comprehensive knowledge of commercial loan structuring and creative loan arrangements.

• Willingness to work outside of regular hours as needed.

• Capability to interpret complex credit and financial data and apply sound business judgment.

• Ability to collaborate effectively with a diverse range of individuals.

• Strong work ethic and professional integrity.

• Commitment to maintaining confidentiality of sensitive data and upholding a high level of ethics.

• Capacity to manage multiple projects simultaneously.

• Proficient in prioritizing, organizing, and delegating assignments.

• Excellent written and verbal communication skills.

• Strong interpersonal skills and experience collaborating with senior management and staff.

• Physical capability to perform essential functions, including frequent sitting and occasional lifting of 20 lbs or less.

🏝️ Benefits

• Comprehensive health and wellness programs.

• Competitive salary with performance-based incentives.

• Opportunities for professional development and career advancement.

• Flexible working hours and potential for remote work.

• Generous vacation and paid time off policies.