Commercial Credit Associate I

Overview

This position reviews commercial loan requests for the Credit Administration function of the Bank. Analyzes both commercial and personal client financial data to determine creditworthiness. Assists the funding / operations team on back-end risk items. Acts as a general resource for Sales, Funding, and Credit departments.

Responsibilities

• Loan Review - Reviews client data in order to make sound credit decisions. Verifies quality of supporting documentation, updating, and categorizing according to status changes in the portfolio. Identifies any servicing deficiencies, policy violations, or credit risks.
• Credit Control - Determines sample of credits for analysis with a focus on risk trends. Maintains accurate credit scores by interpreting data from tax returns and financial statements.
• Risk Mitigation - Identifies potential losses and exposures during loan assessment. Recommends strategies or solutions to address credit risk.
• Reporting - Produces reports based on the results of loan assessment. Conveys patterns, deficiencies, and other areas for review. Ensures that reports are complete and accurate. Documents any policy or regulation exceptions.

Qualifications

Bachelor's Degree and 1 years of experience in Credit analysis

High School Diploma or GED and 5 years of experience in Credit analysis

Additional Requirements :

Credit management experience

Preferred Qualifications :

Commercial credit analysis experience

Banking and / or Finance industry experience

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https : / / jobs.firstcitizens.com / benefits.

Company Description :

Founded in 1898 and headquartered in Raleigh, N.C., First Citizens Bank serves customers in 18 states and the District of Columbia. For over 100 years, customers have trusted First Citizens with their money … and their futures. Today, First Citizens is the largest family-controlled bank in the nation and the sixth-largest bank franchise headquartered in the Southeast with more than $30 billion in assets. We employ more than 6,000 associates who are focused on helping our customers achieve a lifetime of success. First Citizens operates more than 570 branches in Arizona, California, Colorado, District of Columbia, Florida, Georgia, Kansas, Maryland, New Mexico, Missouri, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington and West Virginia.

First Citizens Bank. Forever First®. Member FDIC.

Equal Opportunity / Affirmative Action Employer / Minority / Female / Disability / Veteran

If you need special assistance or an accommodation in applying for employment at First Citizens Bank, please contact our Human Resources department.