Hybrid Special Assets Credit Analyst I

First Citizens Innovation Banking; New York (NY); Hybrid; USD 66,000 - 98,000; Full time

Job summary

First Citizens Innovation Banking in New York is seeking an experienced specialist to support Special Assets with debt restructuring and portfolio management in a dynamic banking environment.

The role requires strong credit and financial analysis, collaboration with clients and internal partners, and the ability to navigate multiple bank systems. Hybrid work and on-site presence in NY are expected.

Qualifications

• Bachelor's Degree OR High School Diploma or GED/Equivalent and 3 years' experience in Credit Training or Financial Analysis
• Bachelor’s Degree in Accounting, Finance, or Credit
• 1 year experience in Commercial Banking or Problem Loan Management
• Strong financial analysis and accounting skills
• Ability to review and analyze credit and financial information; strong communication skills

Responsibilities

• Underwriting: Process Management - Assists in the review of the assigned portfolio for credit quality and credit risk rating accuracy and notes any policy exceptions. Requires underwriting skills on a variety of technology/life sciences verticals as well as credit products. Prepares quarterly credit review packages as well as credit committee minutes.
• Reporting/Portfolio Management - Maintains credit files, monitors past dues, prepares underwriting packages, interfaces and collaborates with operations, and contacts clients to obtain financial information. Assists in the preparation of quarterly Individual Assessments. Knowledge of Credit Policy, Risk Rating Matrices, and Bank systems - Must understand and have the ability to navigate a number of Bank systems.
• Knowledge of Lending Products and Restructuring - May manage a small number of less complex accounts and/or charge-offs, including recommending and implementing strategies to mitigate loss and interacting with clients directly. Requires basic negotiation skills, basic understanding of workout strategies, and strong credit acumen.

Skills

Credit analysis

Financial analysis

Negotiation

Communication skills

Portfolio monitoring

Education

Bachelor’s degree

High School Diploma or GED

Job description

First Citizens Innovation Banking in New York is seeking an experienced specialist to support Special Assets with debt restructuring and portfolio management in a dynamic banking environment.

The role requires strong credit and financial analysis, collaboration with clients and internal partners, and the ability to navigate multiple bank systems. Hybrid work and on-site presence in NY are expected.