Portfolio Credit Analyst II

Overview

This position reviews credit relationships within loan portfolios for the Credit Administration function of the Bank. Develops methods to validate and analyze financial data in order to convey critical information about credit relationships. Recommends improvements or strategies based on identified trends. Establishes metrics to monitor loan performance, requirements, and risk, providing regular reporting and review of department processes. May provide training or guidance to less experienced analysts in the work group.

Responsibilities

• Analysis - Sources, compiles, and interprets financial data or statements related to loan portfolios. Identifies factors that impact credit on both a quantitative and qualitative basis in order to inform credit relationships. Analyzes loan processes for accuracy and efficiency, effectively communicates analysis output. May facilitate the selection, status, and review of analysis packages.
• Data Management - Ensures financial information used in analysis activities is accurate, complete, and consistent. Informs appropriate parties of discrepancies, developing methods to validate data and test quality controls.
• Reporting - Produces reports or spreads based on analysis, key loan metrics, and credit relationships. Identifies and communicates trends that indicate risk or credit issues. Monitors loan performance to assist in larger portfolio management efforts.
• Business Support - Provides analytical insight and technical skill to lending activities, maintaining strong industry, data, and credit knowledge to serve as a resource to associates. Recommends process improvements and risk mitigation strategies identified through data trends. Assists in other duties as needed to facilitate department processes.

Qualifications

Bachelor's Degree and 2 years of experience in Commercial Credit Analysis OR High School Diploma or GED and 6 years of experience in Commercial Credit Analysis

Skill(s): Understanding of financial principles and concepts, Knowledge of banking, loan, and credit terminology

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.

This job posting is expected to remain active for 3 days from the initial posting date listed above. If it is necessary to extend this deadline, the posting will remain active as appropriate. Job postings may come down early due to business need or a high volume of applicants.