Regional Commercial Real Estate Credit Officer

1 week ago


Raleigh, NC, United States First Citizens Bank Full time
Overview

This is a remote or hybrid role that may only be hired in the following locations: Florida, North Carolina, South Carolina, or Virginia.

This Regional Commercial Real Estate Credit Officer reviews, negotiates, and decisions business loans and servicing plans for the Credit Administration function of the Bank. Approves or declines business loans after reviewing, and submits to the appropriate party for further action after initial decisioning. Ensures loan approvals are in compliance with credit policies, procedures, and organizational philosophy. Assists in mitigating loss, delinquency, and overall risk for an assigned credit portfolio. Provides guidance and mentorship to less experienced credit approval associates within the work group.

Responsibilities

  • Loan Review - Analyzes, negotiates, and declines or approves business loans and servicing plans. Assesses credit risks and establishes appropriate grades. Ensures loan decisions are consistent, objective, and compliant while meeting Bank and customer needs. Communicates credit decisions to all involved parties and recommends further action.
  • Credit Expertise - Maintains current knowledge market and industry trends that affect the extension of credit, and communicates changes to lending personnel. Advises credit approval associates within the assigned region on analyzing, negotiating, strategizing, and underwriting credits. Serves as the primary contact to associates through knowledge of the business loan decision process.
  • Relationship Development - Establishes and maintains working relationships with management, associates, and business units to ensure that business lending objectives are effectively communicated and carried out. Represent the Credit Administration department on various committees. Participates in various civic and trade groups to network for the Bank's benefit.
  • Business Support - Identifies training needs, process improvements, and skill deficiencies among line units. Recommends departmental policies and procedures to address identified issues.

Qualifications

Bachelor's Degree and 6 years of experience in Business credit analysis, or Lending, or Underwriting, or Credit approval

OR

High School Diploma or GED and 10 years of experience in Business credit analysis, or Lending, or Underwriting, or Credit approval

Preferred Qualifications:

  • 4+ years of experience in Commercial Real Estate Lending across a variety of asset classes
  • Strong Proficiency in Microsoft Platform including Excel, Word, Outlook, and Teams

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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