Commercial Credit Associate I

Overview

This position reviews commercial credit line requests for the Credit Administration function of the Bank. Analyzes commercial business customer 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

Credit Line Review - Reviews business customer 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

-OR-

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

Additional Requirements:

Basic Microsoft Excel and Word skills

Advanced attention to detail

Relationship driven

Business professional phone etiquette

Positive and upbeat

Preferred Qualifications:

Credit decisioning experience

Financial statement analysis experience

Underwriting 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.