Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together. The Credit Administrator at Optum Bank will be responsible for supporting the Director of Credit Administration in managing all aspects of the credit risk management function for their line of business including execution and communication of policy, approval process, administration, portfolio analysis, and remediation of examiner and auditor observations. This will involve working closely with members of the Credit Department and individuals at all levels within Optum Bank. Primary Responsibilities:
Assist with ensuring a consistent credit culture while collaborating with the Chief Credit Officer, Deputy Chief Credit Officer, Director of Credit Administration, Director of Credit, Underwriters, and Portfolio Managers
Review and approve periodic loan reviews for accuracy, completeness and quality control with a focus on credit policy compliance and risk rating consistency
Assist with preparation and presentation of materials for Credit Committee meetings
Identify, evaluate, and implement efficiencies within the credit and credit operations processes
Mentor, train, and coach credit department personnel to ensure a consistent credit culture and development of team members
Assist with stress testing of the loan portfolio
Assist in monitoring the portfolio to ensure satisfactory credit quality
Assist in formulation and upkeep of credit policies and procedures
Maintain current and relevant knowledge of regulations and ensure adherence to regulatory guidance and federal/state laws
Help render and communicate decisions that most effectively mitigate credit risk
Develop and maintain positive relationships with internal and external clients
You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.Required Qualifications:
7+ years of experience in a bank setting underwriting or approving commercial real estate loans, reviewing loan documents, experience with lending laws, loan transaction procedures, portfolio monitoring, and loan servicing
7+ years of experience analyzing business and personal financial statements associated with loan requests
2+ year of experience mentoring or training credit underwriters
2+ years of experience making credit decisions on transactions > $5 million
2+ years of experience working with internal auditors and loan review personnel in a bank setting
Preferred Qualifications:
10+ years of experience working in Credit or Risk at an FDIC insured institution
Familiarity with a broad array of loan types such as commercial real estate, equipment leasing, syndicated loans, consumer loans, and private credit
Expertise in reviewing commercial real estate appraisal reports and commercial real estate environmental reports
Advanced degree in a business-related field from an accredited institution (MBA, MRED, MSF, MACC, etc.) or advanced education in banking through a bankers association or banking school
Completion of a formal commercial credit training program
Experience working out problem loans
Solid Excel reporting skillset
At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone–of every race, gender, sexuality, age, location and income–deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes — an enterprise priority reflected in our mission. Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law. UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.
