Credit Admin Advisor

First Citizens Bank; Santa Clara (CA); On-site; USD 135,000 - 145,000; Full time

Job summary

First Citizens Bank is seeking a credit administration leader to oversee processes across lending divisions, ensuring accuracy, compliance, and operational efficiency. The role will review loan documents, assess risk, and collaborate with relationship managers and analysts to resolve issues.

The position emphasizes attention to detail, strong analytical skills, and knowledge of commercial credit operations.

Qualifications

• Bachelor's degree with 4+ years in commercial credit operations, loan documentation, and loan servicing, or a GED with 8+ years of relevant experience.
• Strong analytical skills and attention to detail are essential.
• Experience with commercial credit documentation and regulatory compliance is preferred.

Responsibilities

• Oversee and enhance credit administration processes to ensure accuracy and regulatory compliance.
• Review and validate loan agreements, collateral documents, and credit terms.
• Assess credit administration risks and develop mitigation strategies.
• Collaborate with relationship managers, credit analysts, and other stakeholders to resolve inquiries.
• Identify opportunities to streamline workflows and reduce operational risk; implement best practices.
• Provide training and guidance on policies, procedures, and risk controls.
• Perform data analysis and support analytics efforts for the team.

Skills

Analytical skills

Attention to detail

Education

Bachelor's Degree

High School Diploma or GED

Tools

nCino

Moody's CreditLens

Archer

Job description

Overview

This position will play a pivotal role in ensuring the effective management of credit administration processes within our lending divisions. This position will be critical in maintaining compliance with regulatory standards, optimizing operational efficiency, and supporting credit risk management initiatives. Serves as a resource and may provide a leadership role for the work group through knowledge in the area of specialization.

Overview

This position will play a pivotal role in ensuring the effective management of credit administration processes within our lending divisions. This position will be critical in maintaining compliance with regulatory standards, optimizing operational efficiency, and supporting credit risk management initiatives. Serves as a resource and may provide a leadership role for the work group through knowledge in the area of specialization.

Responsibilities & Qualifications

Duties & Responsibilities:
Oversight – Oversee and enhance credit administration processes to ensure accuracy, completeness, and compliance with internal policies and regulatory requirements. Review and validate credit documentation, including loan agreements, collateral documentation, and credit approval terms.
Risk Management – Assess credit administration risks and develop strategies to mitigate potential issues and minimize or eliminate risk. Ensure adherence to risk management policies and procedures. Stay informed about regulatory changes impacting commercial lending and credit administration practices.
Collaboration - Collaborate closely with relationship managers, credit analysts, and other stakeholders to address credit administration inquiries and resolve issues promptly. Provide guidance and support to internal teams on credit administration processes and requirements.
Process Improvement - Identify opportunities to streamline credit administration workflows and improve operational efficiency. Implement best practices and process enhancements to optimize credit administration procedures and reduce operational risk. Conduct training sessions and workshops for credit administration staff to ensure understanding of policies, procedures, and compliance requirements.
Operational Support - Supports credit administration business processes through a variety of escalated operational tasks. Develops, implements, and ensures continuous improvement of procedures. Acts as a resource to management and other associates, including production of documentation, presentations, or other materials to educate on risk policies and procedures. Handles complex technical matters and participates in special projects.
Data Analysis - Sources, compiles, and interprets data. Performs complex analysis and may direct the analytics efforts of the work group.

Position Specific Skills

Analytical skills
Attention to detail

Qualifications

• Bachelor's Degree and 4 years of experience in Strong analytical skills, attention to detail, and a solid understanding of commercial credit operations, credit documentation, and loan servicing. OR High School Diploma or GED and 8 years of experience in Strong analytical skills, attention to detail, and a solid understanding of commercial credit operations, credit documentation, and loan servicing.

Preferred Qualifications

• Experience in commercial credit, credit risk, portfolio management, credit administration, model governance, risk analytics, or model risk management.
• Experience supporting risk rating models, scorecards, or commercial credit risk frameworks.
• Experience with commercial credit underwriting, portfolio management, risk rating assignment, annual credit reviews, or portfolio monitoring.
• Knowledge of model lifecycle management, model monitoring, model validation, governance, or MRM practices.
• Experience analyzing migrations, overrides, portfolio trends, criticized/classified asset trends, or model performance metrics.
• Strong analytical, problem-solving, and communication skills with the ability to influence both business and technical stakeholders.
• Experience with nCino, Moody's CreditLens, Archer, or similar platforms.
• Experience supporting regulatory examinations, internal audits, model validations, or governance reviews.

Additional Information

This job posting is expected to remain active for 8 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.
The base pay for this position is generally between $135,000 and $145,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.
First Citizens benefits programs are designed to meet our associates where they are in life. Full-time associates (20+ hours) are offered a comprehensive benefits program, with customized offerings, including those designed to support families, however defined. More information regarding our benefits offerings can be found here: https://jobs.firstcitizens.com/benefits