• Credit Administration Analyst - Validations

    Job Locations
    US-CA-San Francisco
    Credit Administration and Approval
  • Overview

    A Credit Administration Analyst--Validations is responsible for reviewing new commercial loans, renewals and modifications to ensure that various key aspects of the approval conform with both the loan documents and loan accounting system (ASF Level 3). Discrepancies and missing or defective documentation requiring resolution are raised, as applicable, with Executive Loan Committee, Loan Servicing, Relationship Managers and Business Bankers (“bankers”), and corresponding comments entered into the tracking log.  Covenants and applicable due date ticklers are confirmed on the tracking system (AFS Exceptions)


    Key requirements of the position include developing a strong knowledge of loan documents, covenant monitoring practices, excellent attention to detail, strong interpersonal skills, a desire to learn, plus the ability to effectively manage time and changing priorities.



    • New commercial loans, renewals and modifications are reviewed to confirm the key aspects of approval conform with the loan documents and AFS Level 3, including:
      • Correct loan risk grade 
      • Appropriate approvals were obtained
      • Covenants entered into tracking system to match documents
      • Observations noted of any discrepancies or issues
      • Annual term loan review ticklers set up if applicable
      • Policy exceptions are entered onto AFS Exceptions
      • Identify any key documentation that is missing or defective
    • Apprise senior management of substantive non-compliance issues and adverse trends.
    • Perform other duties & responsibilities as required or assigned by manager.
    • Identify areas for increased efficiencies in processes and higher quality internal service, and make recommendations accordingly.
    • Adhering to and complying with all applicable, federal and state laws, regulations and guidance, including those related to Anti-Money Laundering (i.e. Bank Secrecy Act, USA PATRIOT Act, etc.).
    • Adhering to Bank policies and procedures.
    • Completing required training.
    • Identifying and reporting potential suspicious activity to the BSA/AML Officer.
    • Knowing and verifying the identity of any customer(s) that enters into a relationship with the Bank.

    Disclaimer: Critical features of this job are described under the items above. They may be subject to change at any time due to reasonable accommodation or other reasons. This job description reflects management’s assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.



    • A Bachelor’s Degree or up to two years equivalent/related business experience;
    • Proficiency in lending terminology and documentation to ensure approved loan covenants are correctly interpreted and captured for monitoring;
    • Demonstrated skills in organization and strong attention to detail;
    • Proactive individual able to operate efficiently in a fast paced environment;
    • Quick learner and ability manage multiple priorities;
    • Must be self-motivated and able to work independently;
    • Ability to work with many different types of people and personalities;
    • Excellent oral and written communication and reasoning skills;
    • Working knowledge of AFS Level III, Word, Excel and Outlook. Access is a plus.


    • The ability to learn and comprehend basic instructions; understand the meanings of words and respond effectively; and perform basic arithmetic accurately and quickly.
    • Vision must be sufficient to read data reports, manuals and computer screens.
    • Hearing must be sufficient to understand a conversation at a normal volume, including telephone calls and in person.
    • Speech must be coherent to clearly convey or exchange information, including the giving and receiving of assignments and/or directions.
    • Position involves sitting most of the time, but may involve walking or standing for brief periods of time.


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