POSITION TITLE: Credit Administration Specialist

DEPARTMENT: Credit Department

ACCOUNTABILITY: VP - Credit Department Manager

Scope of Responsibility: The Credit Administration Specialist provides administrative and operational support to the Credit Department, including construction and development loan administration, maintaining commercial credit files, monitoring financial reporting requirements, coordinating the collection of borrower information, and maintaining departmental tracking systems. The position works closely with Credit Department personnel and Relationship Managers to ensure information is accurate, complete, and readily available to support the Bank's commercial credit underwriting and portfolio management activities.

Duties & Responsibilities:

Process construction and development loan draw requests, including coordinating inspections, reviewing supporting documentation, processing authorized advances, and maintaining accurate draw records.
Reconcile construction draw records to loan account balances monthly and assist with construction-related release fee calculations and verification.
Maintain electronic commercial credit files, including scanning, indexing, and organizing financial statements, tax returns, credit reports, and other documentation in Synergy.
Maintain departmental tracking systems and reports, including the commercial loan pipeline, large borrower relationships, financial statement requirements, and other portfolio monitoring activities.
Maintain the financial statement tickler system, monitor outstanding reporting requirements, and coordinate with Relationship Managers to obtain required financial information.
Receive, review for completeness, and track borrowing base certificates, referring exceptions or concerns to appropriate Credit Department personnel.
Coordinate Letter of Credit billing and monitor upcoming maturities.
Provide administrative support for commercial loan annual reviews, renewals, and other credit-related activities, including gathering required documentation and preparing files for analysis.
Assist with preparing and maintaining departmental reports and information requested for internal audits, regulatory examinations, and loan reviews.
Assist with basic financial statement and tax return spreading in LoanVantage and related preliminary analysis, as needed and under the guidance of Credit Department personnel.
Maintain a working knowledge of applicable Bank policies, procedures, and regulatory requirements, including BSA, and participate in required training.
Perform other related duties as assigned.

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Contacts & Relationships: Individuals in this position will work closely with other Credit Department personnel, Loan Documentation & Operations staff, Business Development Officers, and branch personnel to provide administrative and credit support, facilitate efficient departmental operations, and support quality customer service.

Knowledge, Skills & Experience:

High school diploma or equivalent required; additional education or training in business, finance, or related field preferred.
Prior banking, loan administration, or related administrative experience preferred.
Strong organizational skills and attention to detail, with the ability to maintain accurate records and manage multiple priorities and deadlines.
Proficiency with Microsoft Excel, Word, and other office applications; ability to learn and effectively utilize specialized banking software.
Strong interpersonal and communication skills, including the ability to coordinate effectively with Relationship Managers and other Bank personnel.
Ability to work independently, follow established procedures, and exercise sound judgment in identifying matters requiring additional review.
Willingness and ability to develop a basic understanding of financial statements, tax returns, and commercial credit analysis.
Ability to maintain confidentiality of sensitive customer and financial information.

Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this position, the employee is regularly required to sit or stand for prolonged periods, reach with hands and arms, stoop, kneel or crouch. The employee must occasionally lift and/or move up to 15lbs. Vision abilities required include close vision, distance vision, and peripheral vision.

Employee will need to be able to do close up paperwork and view computer screens.

EEO Statement: Hebron Savings Bank provides equal employment opportunities to all employees and applicants without regard to unlawful considerations of race, creed, color, national origin, nationality, ancestry, age, sex, familial status, marital status, domestic partnership, affectional or sexual orientation, gender identity or expression, liability for military service, mental or physical disability or perceived disability, and any other classification protected by applicable state and federal laws. Reasonable accommodation is available for qualified individuals with disabilities, upon request.

Hebron Savings Bank expressly prohibits any form of workplace harassment or unlawful discrimination against individuals on the same basis as outlined above.

Job Classification: Non-exempt

Rev: 10/29/26

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