Credit Administration is responsible for the overall credit quality of the Bank's loan portfolio. The Department decisions loan transactions, maintains credit policies and procedures, monitors portfolio performance, manages the problem loan portfolio, and ensures sound credit practices. Credit Administration is also responsible for certain management and administrative functions including certain regulatory and credit support functions. The West Region of Credit Risk Management directly supports the Amegy Bank Division of Zions Bancorporation, N.A.
Responsibilities:- Oversee Credit Administration functions for various types of complex lending credit transactions including commercial real estate, commercial and industrial, residential construction, and affordable housing.
- Assists with analyzing, structuring, prescreening and approvals.
- Identifies deteriorating trends in credit quality and suggests downgrades as necessary.
- Monitors specifically identified credits for concerns or problems as assigned.
- May train and mentor lending staff.
- May attend and participate in credit committee meetings.
- Other duties as assigned.
Qualifications:- Requires a Bachelor's degree in finance, accounting, or business
- 12 + years of directly related financial services experience with strong institutional credit expertise, including structuring and underwriting a wide range of complex credit transactions across Commercial Real Estate (CRE), Commercial & Industrial (C&I), Small Business, Consumer, or other specialty lending areas.
- Experience includes underwriting large, complex transactions as well as managing loan workouts and problem loans.
- An advanced degree is preferred, and a combination of education and experience may satisfy requirements.
- Extensive knowledge of structuring and underwriting a wide variety of complex credit transactions across Commercial Real Estate (CRE), Commercial & Industrial (C&I), Small Business, Consumer, or specialty lending, including large and/or highly complex portfolios.
- Strong working knowledge of loan workouts and problem loan management, supported by excellent leadership, management, and project management capabilities.
- Exceptional communication skills, both verbal and written, with the ability to work effectively at all levels of the organization.
- Consistently demonstrates a strong work ethic, commitment to responsibilities, and the ability to communicate candidly and tactfully with management.
- May require occasional travel to affiliate locations for direct interaction with senior management, credit teams, line units, loan administration, and workout officers
Location:- This position is fully in office (5 days a week) at the Amegy Tower located at 1717 W. Loop South, 21st Floor, Houston TX 77027
Benefits:
- Medical, Dental and Vision Insurance - START DAY ONE!
- Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
- 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
