Credit Associate I at PATRIOT BANK, N.A. – Stamford, Connecticut

The Credit Associate I supports Credit Administration through coordination of tickler management, compliance reporting, and loan documentation activities. This role serves as a key liaison among customers, internal partners, and third-party vendors to ensure timely receipt and tracking of financial and compliance documentation. The position also provides administrative and operational support to Credit Administration leadership and committees.

ESSENTIAL DUTIES AND RESPONSIBILITES include the following

1. Manage Abrigo Tickler requests and tracking for annual reviews, site inspections, and past due items, coordinate document collection with customers, internal Portfolio Management, and third-party vendors.
2. Prepare and distribute monthly tickler compliance reports for senior credit leadership and CCO reporting, segmented by loan type.
3. Provide loan documentation support using LaserPro for new loan originations and loan modifications (training provided).
4. Assist with credit committee and IARC activities, including meeting preparation, note taking, and production of formal meeting minutes.
5. Pull and maintain weekly delinquency, payment, and maturity reports and assist with related meeting discussions.
6. Communicate professionally and independently with clients, accountants, and financial managers regarding confidential financial information.
7. Receive training to support commercial portfolio annual reviews and renewals, including financial statement analysis, global cash flow analysis, industry and collateral review, and reference checks.
8. Assist Credit Administration in preparing Credit Action Approval Requests and Credit Action Memorandums.
9. Provide receptionist coverage as needed, including greeting visitors, answering, and routing incoming calls, and directing inquiries appropriately.
10. Manage incoming and outgoing mail, including sorting, routing, and preparing documents for delivery or shipment.
11. Perform general administrative support for the Credit Administration team.
12. Comply with all Bank Secrecy Act (BSA) and applicable OFAC requirements.
13. Identify and report suspicious activity observed during assigned duties in accordance with bank policy.
14. Perform other duties as assigned to support Credit Administration and bank operations.

SUPERVISORY RESPONSIBILITES

This job does not have managerial responsibilities.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

• Bachelor’s degree in Finance, Business, Economics, Accounting, or a related field
• Minimum of three (3) years of experience in financial services or a related environment required
• Proficiency with MS Office (Excel, Word, Outlook); experience with financial spreading software preferred

LANGUAGE SKILLS

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information, and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical s1tuat1ons and interpret and draw bar graphs.

REASONING ABILITY

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

CERTIFICATES, LICENCES, REGISTRATIONS

Current driver’s license.

COMPUTER SKILLS

To perform this job successfully, an individual should have a working knowledge of Microsoft Office software and general computer and internet skills.

OTHER QUALIFICATIONS

• Strong organizational skills with the ability to manage multiple priorities, deadlines, and detailed documentation with accuracy.
• High level of discretion and integrity when handling confidential and sensitive financial and customer information.
• Demonstrated ability to work independently while also functioning effectively as part of a collaborative team.
• Strong written and verbal communication skills with the ability to interact professionally with internal partners, senior leadership, customers, and third-party vendors.
• Attention to detail with a commitment to maintaining accurate records, reports, and compliance documentation.
• Ability to adapt to changing priorities, regulatory requirements, and procedural updates in a fast-paced financial environment.
• Willingness to learn new systems, processes, and credit administration practices; openness to ongoing training and professional development.
• Dependable attendance, punctuality, and a strong work ethic consistent with bank standards and policies.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job.

Reasonable accommodations may be made to enable Individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision and ability to adjust focus.

WORK ENVIRONMENT

While performing the duties of this Job, the employee is occasionally exposed to outside weather conditions. The noise level in the work environment is usually moderate.

EQUAL EMPLOYMENT OPPORTUNITY

Patriot Bank is an Equal Opportunity Employer and does not discriminate based on race, color, religion, sex, gender identity or expression, sexual orientation, national origin, ancestry, age, disability, medical condition, genetic information, marital status, veteran status, or any other protected status under federal, state, or local law.

This job description indicates the general nature and level of work expected of the incumbent. It is not designed to cover or contain a comprehensive list of activities, duties or responsibilities required of the incumbent. Incumbents may be asked to perform other duties as required.