Credit Administration Counsel

Job Summary

The Credit Administration Counsel is primarily responsible for supporting the Bank’s loan documentation production process in accordance with established credit policies, internal controls, and regulatory requirements. This position serves as a primary liaison between the Bank’s outside legal counsel and clients and provides specialized support for complex loan documentation, including provision drafting, coordination and negotiation of documentation and assistance with problem loan documentation matters, ensuring alignment with Bank policy, credit approval terms, and applicable regulatory expectations.

The Credit Administration Counsel collaborates with internal stakeholders and external counsel to facilitate timely, accurate, and consistent loan documentation, while identifying opportunities to improve efficiency, quality, and turnaround times for documents delivered to the Bank’s branches and lending teams.

Essential Duties

• Accurately and efficiently prepares and finalizes loan documentation using LaserPro, ensuring documentation reflects approved loan terms, Bank policy, and applicable regulatory requirements.

• Assists lending staff by clarifying documentation requirements and verifying information during due diligence and document preparation to support timely and compliant loan closings.

• Supports the production of complex loan documentation, including drafting special and custom provisions, and coordinates with outside legal counsel as needed to address documentation-related issues.

• Serves as the primary liaison for loan transactions requiring engagement of outside legal counsel by coordinating documentation workflow and facilitating resolution of documentation issues in accordance with approved loan structures and Bank policy.

• Communicates with branch lending staff, borrowers, and other third parties, as appropriate, to support negotiation and finalization of acceptable loan documentation terms consistent with loan approval conditions and risk parameters established by the Bank.

• Analyzes complex documentation requirements, identifies issues or inconsistencies, and provides practical solutions consistent with regulatory expectations, internal controls, and credit approval terms.

• Maintains and periodically updates the Bank’s loan provision library to ensure alignment with current regulatory requirements, internal policies, and approved documentation standards.

• Provides training, guidance, and technical support to loan documentation staff and branch lending support personnel to promote consistency, accuracy, and compliance in loan documentation practices.

• Identifies opportunities to improve efficiency, quality, and turnaround time within the loan documentation process while maintaining appropriate internal controls and risk mitigation standards; elevates recommended process improvements to management.

• Provides recommendations and guidance related to the Bank’s lending function, including documentation standards, lending risk considerations, reporting support, and policy interpretation. Assists with developing presentations and action items related to regulatory guidance and changes in federal, state, and local laws impacting lending and loan documentation.

Compliance Responsibilities

Complies with all applicable state and federal banking laws, regulations, and internal policies, including but not limited to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) requirements, Office of Foreign Assets Control (OFAC) regulations, Customer Identification Program (CIP) requirements, Financial Elder Abuse reporting laws, Sexual Harassment prevention policies, and information security and privacy requirements.

Identifies unusual or potentially suspicious activity and promptly elevates such activity to supervisory staff and/or the BSA/Compliance Department in accordance with established policies and procedures. Completes required compliance, regulatory, and job-related technical training, including assigned workshops and continuing education, within required timeframes.

Officer Title Eligibility

Certain positions may be designated as Officer-eligible under the Bank’s corporate governance standards. Employees who meet defined qualifications, competencies, and performance standards may be considered for an Officer title, subject to management review and approval. This position is eligible for assignment of an Officer title at the Vice President or First Vice President level.

Regulatory and Compliance Knowledge

• Bank Secrecy Act (BSA)

• Fair Credit Reporting Act

• Fair Housing Act

• Real Estate Settlement Procedures Act (RESPA)

• Regulation AA (Unfair or Deceptive Acts or Practices)

• Regulation B (Equal Credit Op