Commercial Credit Associate II

1 week ago

Charlotte, NC, United States First Citizens Bank Full time
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. May provide training or guidance to less experienced analysts in the work group.

Responsibilities

  • Loan Review - Performs a comprehensive and analytical review of selected loan relationships. 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. Serves on special projects or performs other tasks related to credit policy and control.
  • 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 2 years of experience in Credit analysis

- OR -

High School Diploma or GED and 6 years of experience in Credit analysis

Additional Requirements:

Financial statement analysis experience

Business professional phone etiquette

Proven ability to build professional relationships

Microsoft Office proficiency

Organized with advanced attention to detail

Preferred Qualifications:

Bachelor's in Accounting or Finance

Credit decisioning experience

Underwriting experience

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.

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