Description Founded in 1902, Washington Trust Bank remains proudly independent. For 120 years, we have been focused on long-term client relationships. We dedicate our strengths as an independent regional bank to serving clients who understand the value of an established banking relationship and who seek out tailored financial products and services. Our heritage and mission remain clear today: We will be the best at understanding and meeting the financial needs of our customers. The Regional Credit Administrator is responsible for assuring that the credit risk inherent in the regional loan portfolio is managed within established parameters set by the Chief Credit Officer (CCO), Credit Policy Committee (CPC) and Commercial Division leadership. Provides loan approval within lending authority and recommends larger commitments to the appropriate approval level. Assures implementation of and compliance with the Bank's Loan Policy, lending procedures, applicable laws and regulations. Location: This position will provide credit oversight of our Oregon and SW Washington region currently including teams in Portland and Bend, OR and Vancouver, WA. Worksites are available at any branch in the region. Travel may be required on occasion within the region. Essential Functions Develops and implement controls and procedures to assure the quality of area's loan portfolio. Maintains and interprets written loan policy and procedures for all bank loans. Develops and implements procedures for early detection and monitoring of potential problem credits and potentially adverse credit granting and administrative practices and behavior. Takes appropriate steps to ensure corrective action is taken by team leaders and lending officers. Serves as the most senior level credit approval authority for the region up to the Regional President. Approves credit accommodations within lending authority and recommends larger commitments to the appropriate level of approval. Provide recommendations for lending authority for Relationship Managers and Team Leaders in the region to the Regional President and Chief Credit Officer. Identifies deteriorating loan situations in his/her area of responsibility in order to assess loss potential early in order to minimize losses. Provides direction and guidance to team leaders and lending officers concerning loan workout matters. On the more complex credits, works closely with corporate special assets group, attorneys, management of borrowers, other creditors and Bank lending personnel to review and restructure credit and repayment terms, and better secure collateral or otherwise establish recourse to other borrower assets against the possibility of charge off. Provides recommendations to senior loan executives about structuring and reviewing credits to reduce fundamental weakness in the Bank's loan policies. Works closely with team leaders and lending officers in the analysis, structuring and pricing of more difficult credit requests. Ensures adherence to credit policies and rate guidelines so that loan quality and profitability standards are met. Participates in the relationship team's business development activities. Integrates effective Internal Controls into all applicable work processes. Maintains a working knowledge of Internal Controls with particular attention to Key Controls. Is responsible for ensuring that updates to Internal Controls documentation are performed timely when there are changes in the risk parameters and/or workflow. Conducts customer and prospect calls with relationship officers to enhance existing relationships and attract new customers. Provides training programs and materials to improve loan officer analytical and loan management skills. Provides regular communications to keep loan officers abreast of current topics in Credit Administration. Provides a high level of priority to: Improvement in Bank's overall credit ri