Credit & Special Assets Analyst (Underwriting & Restructuring)

First Citizens Bank; New York (NY); Hybrid; USD 67,000 - 98,000; Full time

Job summary

First Citizens Bank is seeking a hybrid role in New York for an experienced credit professional. You will underwriting and manage a diverse portfolio, reviewing credit quality and risk, and preparing essential packages and minutes for decisions.

The role emphasizes knowledge of credit policy, risk matrices, and bank systems, with exposure to lending products and restructuring strategies. A Bachelor's/ GED with 3 years' relevant experience is expected, in a commercial banking context.

Qualifications

• Bachelor's Degree or High School Diploma/GED with 3 years' experience in Credit Training or Financial Analysis
• Experience reviewing portfolios for credit quality and risk rating accuracy
• Knowledge of credit policy, risk rating matrices, and bank systems
• Understanding of lending products and basic workout strategies

Responsibilities

• Underwriting: review assigned portfolio for credit quality and risk rating accuracy; prepare CLS/CLR packages and minutes
• Reporting/Portfolio Management: maintain credit files, monitor past dues, prepare underwriting packages and quarterly assessments
• Navigate bank systems and use credit policy and risk matrices effectively
• Interact with clients on credit restructuring and negotiation as needed

Skills

Underwriting

Credit analysis

Financial analysis

Risk management

Negotiation

Education

Bachelor's degree or GED

Tools

Bank systems

Job description

First Citizens Bank is seeking a hybrid role in New York for an experienced credit professional. You will underwriting and manage a diverse portfolio, reviewing credit quality and risk, and preparing essential packages and minutes for decisions.

The role emphasizes knowledge of credit policy, risk matrices, and bank systems, with exposure to lending products and restructuring strategies. A Bachelor's/ GED with 3 years' relevant experience is expected, in a commercial banking context.