Credit Administration serves as the centralized area for the management of lending and lending practices by administering credit policies, underwriting, loan documentation, loan reviews, and collections and litigations of the loans provided at Capital City Bank (CCB). The primary role of Credit Administration is to support lenders in the field. Credit Administration associates also provide feedback on lender questions and ultimately approve or deny loans which are above an individual lender’s authority.
There are six departments within Credit Administration, including:
- Auto Finance
- Collections and Litigation
- Construction Administration
- Loan Document Preparation
- Special Assets
- Underwriting
These departments
ensure associates follow proper credit policies and procedures by overseeing the underwriting process, maintenance of credit files, and management of assets. This is all accomplished through a team of associates working together to closely monitor and protect the lending practices and philosophies of Capital City Bank.
The Credit Management section of Credit Administration is home to a number of specialized teams within the department. Click on the accordion to read more about these teams.
Credit Management
Credit Management comprises all other credit administration functions not otherwise included within a specific Credit Administration sub department, including:
- Estimation and evaluation of the Bank's Allowance for Loan Losses and Other Real Estate Owned
- Appraisal and environmental risk management processes
- System administration of the Abrigo, DecisionPro, LaserPro, and uOpen loan applications systems
- Abrigo is the system used for commercial applications and workflows. It also has a core integration file of all CCB loans and deposits that allows in-depth reporting on the loan portfolio and overdraft information.
- DecisionPro is used primarily for consumer loans such as Home Equity Lines of Credit (HELOCs), Indirect auto loans, or secured loans.
- LaserPro is used for documentation.
- Portfolio reporting, code verification, and risk management processes
- Override review, reporting, and loan delivery support
- Managing the credit policy framework under which the Bank operates
- Maintenance and administration of the commercial credit files
This area of the Bank is comprised of associates with various backgrounds and experience levels, all of whom have the primary goal of managing credit risk bank-wide. Credit Management associates also facilitate an efficient and effective loan delivery process in support of lending associates and in conjunction with Loan Servicing and other areas of the Bank.
Gain a more detailed understanding of Credit Management's functions and duties below:
Application Support
Application Support assists internal clients (associates) with no external client impact. They are responsible for the following:
- Maintaining and supporting the IT infrastructures of loan applications and products, such as the following:
- Abrigo – This system is used for commercial applications and work flows. It also has a core integration file of all CCB loans and deposits that allows for in-depth reporting on the loan portfolio and overdraft information.
- DecisionPro – This system is used primarily for consumer loans such as HELOC, Indirect auto loans, and secured loans.
- LaserPro is used for the documentation.
- Developing and maintaining reports from above listed applications
- Document software policies, procedures, data standards and flows, and change orders for new or revised database functions
- Ensure hardware and software operate as expected
The Digital Lending Team reports up to Application Support. Learn more about them here:
Digital Lending
Digital Lending processes all consumer loan applications applied for online. When a loan application arrives, digital lenders discuss the application with a processor or underwriter and, if necessary, contact the applicant to discuss any missing information. Once the loan is approved, they refer the client to a local office where the client can finish any final steps in the loan process with an associate.
Data Analytics
Data Analytics' primary goal is mitigating as much loan risk as possible. They work exclusively with internal clients (associates) and have no external client impact. Their monthly duties include the following:
- Monthly reporting to executives, senior management, lenders, and administrative assistants
- Listing any loans the Bank needs to keep an eye on, specifically, Past Dues, Non-Accruals, Problem Loan, and Watch.
- A combination of these loans also make up the FLASH and CROC report, which go to senior management and executives, as well as the Credit Risk Oversight Committee.
- Performs Loan Loss Analysis, and calculates what the loan loss reserves need to be, in the event that a large number of loans suddenly become unrecoverable and must be written off.
Real Estate and Appraisals
Real Estate indirectly serves external clients by ordering appraisals. Real Estate’s direct clients are internal associates. Real Estate associates assist with any sort of questions regarding real estate, including the following:
- Appraisals
- Environmental surveys
- Survey reviews
- Warranty deed reviews
- Legal descriptions
- Zoning
- Land use
- Permitting questions
They also assist associates with suggestions to ease the real estate valuation process.
To dispel a common misconception, property owners oftentimes believe they are the client of an appraisal report; however, the Bank is the true client of the report, and the Bank's relationship is with the appraiser directly (the Bank submits the order). A client may try to call the appraiser; however, appraisers can only discuss the report with the client—Capital City Bank.
Real Estate vets all appraisers used and will remove and add as necessary. Appraisal complaints or concerns are researched and appropriate action is taken upon review. They also assist in acquiring appraisers outside of their footprint or with a specialty, as needed.
This team can help all associates with any real estate questions. One easy way to remember what Real Estate does is knowing that “they assist with anything bricks, sticks, and dirt."
Learn more about Real Estate and Appraisal's products and services:
Appraisal Work
Real Estate manages the appraisal process, which includes appraiser classification, review of appraisal reports, and writing recommendations. This work also encompasses everything from writing the scope of work, which determines the depth and level of reporting needed to the appraiser, to ensuring supporting documentation is sufficient for analysis. Results of the appraiser’s analysis is then detailed in an appraisal report to the Bank upon which the lending decision is made.
Environmental Work
Real Estate’s environmental work is a matrix process designed to ensure there is no contamination on the subject property and is structured based on the property type and loan amount. The process checks not only the subject but the surrounding area to ensure there is no encroachment of contaminants.
View Credit Administration's public documents on netinterest.
View application packets on netinterest.
View Abrigo - Sagework Support public documents on netinterest.
View DecisionPro public documents on netinterest.
Job Positions
- Administrative Assistant I
- Administrative Assistant II
- Credit Analyst I
- Credit Analyst II
- Credit Specialist I
- Credit Specialist II
- Credit Administration Manager
- Credit Real Estate Analyst Manager
- Business Credit Analyst Manager
- Credit Financial Analyst
- Digital Lending Loan Specialist
- Digital Lending Manager