Commercial Credit Associate I (Hybrid)

First Citizens; Charlotte (NC); Ibrido; USD 65.000 - 90.000; Tempo pieno

Descrizione del lavoro

First Citizens Bank is seeking a Credit Review Analyst in Charlotte, NC. The role focuses on evaluating loan applications, financial statements, tax returns, and other documents to determine approval or denial based on creditworthiness.

Hybrid in-office role with time split between the Charlotte office and remote work, requiring strong analytical skills and experience in credit analysis to support risk management and decision making.

Competenze

• Bachelor's degree in Finance or Accounting with 1 year credit analysis experience, or High School Diploma or GED with 5 years' credit analysis experience.
• Excellent communication and phone skills, with strong Microsoft Office proficiency.
• Strong analytical and risk assessment abilities in loan review and credit decisions.

Mansioni

• Loan Review – review loan applications, financial statements, tax returns, and other docs; analyze borrower creditworthiness and repayment capacity.
• Credit Control - determine sample of credits for analysis and maintain accurate credit scores from data in tax returns and statements.
• Risk Mitigation - assess risk factors and make sound underwriting decisions within lending authority.
• Reporting - produce monthly reports on loan assessment results and document policy exceptions.

Conoscenze

Data Gathering and Reporting

Credit Analysis

Accountability

Formazione

Bachelor's degree in Finance or Accounting

High School Diploma or GED

Descrizione del lavoro

Overview

This is a hybrid role (Charlotte, NC) with the expectation that time working will regularly take place inside and outside of a company office.

This position is 1 day in-office per week, mandatory Wednesday. In Q1 of 2027, this position will transition to 2 to 3 days in-office per week.

This position reviews short-term loan requests for the Credit Administration function of the Bank. This person is responsible for evaluating and analyzing financial, credit, and risk information to determine the approval and denial of loan and credit requests. Analyzes both commercial and personal client financial data to determine creditworthiness.

Responsibilities & Qualifications

Duties & Responsibilities:

• Loan Review – Review loan applications, financial statements, tax returns, and other supporting documentation. Analyze borrower creditworthiness, cash flow, collateral, and repayment capacity. Reviews client data in order to make sound credit decisions. Prepare detailed credit memorandums and recommendations for management or loan committee approval.
• 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 - Assess risk factors and make sound underwriting decisions within established lending authority.
• Reporting - Produces monthly 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.

Position Specific Skills:

• Data Gathering and Reporting
• Credit Analysis
• Accountability

Qualifications:

Minimum Required Education and Experience: Bachelor's Degree and 1 years experience OR High School Diploma or GED/Equivalent and 5 years' experience in Credit analysis

Preferred:

• Bachelors Degree in Finance, or Accounting
• 2-3 years Financial Statement Analysis experience
• Underwriting experience
• Organization and prioritization skills
• Excellent communication and phone skills
• Microsoft office proficiency

Additional Information

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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