Credit Administration Manager

John Marshall Bank is seeking a seasoned Credit professional to lead our credit risk assessment, loan monitoring and policy compliance, portfolio analytics, stress testing, and allowance for credit losses (CECL) program management. This high-impact role serves as a key partner to the Chief Credit Officer, transforming complex loan data into strategic insights. The ideal candidate blends technical mastery of various software programs with the leadership presence to manage vendor relationships and regulatory audits.

Key Responsibilities

Strategic Portfolio Analytics & Reporting

• CRE Concentration Management: Lead the preparation and analysis of CRE Concentration Reports
• Market Intelligence: Leverage Moody’s and other market data to identify emerging trends; translate raw data into sophisticated, "Board-ready" reporting.
• Data Visualization: Utilize advanced Excel (Pivot Tables, VLOOKUPs, Power Query) to develop charts and dashboards that communicate portfolio health to stakeholders.

Credit Risk Stress Testing

• Bottom-Up Testing, Top-Down Modeling & Risk Identification: Audit CRE loan data, updating NOI and appraisal information; perform sample testing to verify the accuracy of core-to-software data feeds, maintain and update top-down stress models, evaluate stress testing results to identify high-risk segments and analyze the underlying drivers of risk.

CECL Program Leadership

• Program Governance: Own the CECL reporting lifecycle, reconciling balances across the GL and the model while incorporating qualitative frameworks.
• Executive Communication: Lead the quarterly CECL Steering Committee; prepare detailed memos, minutes, and PowerPoint presentations for the Board.
• Compliance & Audit: Manage the CECL refresh and validation processes and serve as the primary point of contact for internal and external audits.
• Vendor Management: Oversee the vendor process, including vendor selection, contract negotiations, and due diligence.

Portfolio Surveillance & Quality Control

• Covenant & Review Management: Oversee the annual review process; monitor loan covenants to ensure prompt assessment and resolution of violations.
• Production & Quality Reporting: Manage the delivery of comprehensive monthly and quarterly report packages covering loan production and credit quality.
• Specialized Monitoring: Provide deep-dive analysis into portfolios for inclusion in public press releases and regulatory filings.

Special Assets & Credit Support

• Watch List Management: Partner with the Chief Credit Officer to manage criticized assets; coordinate and lead Watch List meetings and prepare Criticized Asset Reports.
• Borrower Engagement: Assist in the direct or indirect management of troubled loan relationships as needed.