Director of Credit Administration

Essential/Primary Job Duties:
* Responsible for the leadership, organizational management, and strategy of the credit administration function including executive oversight of the commercial administration team, processes, and workflows
* Advise the Chief Credit Officer regarding organizational capacity, portfolio trends, emerging risks, process weaknesses, technology needs, staffing requirements, and material administrative or control concerns
* Prepare and manage departmental plans, budgets, projects, and priorities aligned with the Bank's strategic growth and credit-risk objectives.
* Ensure effective administration of credit files, document indexing, financial and covenant ticklers, exception tracking, pipeline reporting, closing coordination, renewals, modifications, and other recurring commercial administrative processes.
* Oversee portfolio risk analytics and reporting
* Serve as the senior business owner and active administrator for the commercial loan origination system and related platforms
* Promote reliable credit data, consistent use of required fields, sound change control, appropriate access, auditable processes, and dependable interfaces supporting management and regulatory reporting
* Oversee administrative controls for construction lending, including draw processes, inspections, budgets, lien waivers, title matters, interest reserves, exceptions, documentation, and escalation protocols.
* Assist the Chief Credit Officer with credit policy administration, procedure governance, regulatory and examination readiness, Loan Review coordination, audit responses, and remediation tracking.
* Provide concise, accurate, and timely reporting to the Chief Credit Officer regarding departmental performance, system issues, portfolio risk, staffing capacity, construction activity, exceptions, and emerging concerns.
* Present portfolio and operational information to executive management, management committees, Board committees, auditors, examiners, and other stakeholders as assigned.
* Regular and predictable attendance and punctuality
* Other duties as assigned
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Physical Requirements:
* Must be able to remain in a sitting stationary position for extended periods of time
* Constantly operate a computer and other office machinery
* Ability to lift up to 25 pounds

FNBT is an Equal Opportunity Employer

Minimum Qualifications and Education Required:
* At least 18 years of age
* High School Diploma
* Bachelor's degree in finance, accounting, business administration, economics, or a related field, or an equivalent combination of relevant education and experience
* Graduate banking school, formal commercial credit training, or relevant professional certification preferred
* Substantial progressive experience in commercial credit administration, commercial lending, portfolio risk, loan administration, credit operations, or a closely related banking discipline
* Demonstrated leadership experience with responsibility for people, workflows, controls, projects, systems, or cross-functional initiatives
* Working knowledge of commercial credit documentation, financial reporting requirements, risk ratings, criticized/classified assets, portfolio monitoring, construction lending administration, and bank regulatory expectations.
* Experience with commercial loan origination, credit workflow, spreading, document, tickler, reporting, or related banking systems
* Ability to analyze portfolio data, identify material trends, communicate risk clearly, and convert management direction into controlled and scalable operating practices.
* Experience supporting ACL concentration management, stress testing, Board reporting, regulatory examinations Loan Review, or audit remediation preferred
* Experience leading a commercial LOS implementation, major workflow redesign, data-quality initiative, or credit technology conversion preferred
* Experience with construction portfolio surveillance and administrative controls for larger or more complex commercial relationships preferred
* Must successfully pass background investigation according to company policy
* Must be able to get along with co-workers and work effectively in a team environment