Senior Corporate Lending Officer - Commercial C&I (remote)

First Citizens Bank; North Carolina; Remote; USD 170,000 - 195,000; Full time

Job summary

First Citizens Bank is seeking a leader to head a regional credit team in a remote role, with potential Eastern Time Zone hiring. The role oversees underwriting, risk control, and portfolio management for commercial loans, collaborating with sales and relationship managers to meet strategic objectives.

Qualifications include a Bachelor's with 10+ years in commercial lending or a HS diploma with 14+ years. Base pay ranges from $170,000 to $195,000, with possible incentives described in the offer.

Qualifications

• Bachelor's degree with 10+ years in commercial lending.
• HS diploma with 14+ years in commercial lending.

Responsibilities

• Lead commercial loan underwriting and approvals to meet quality standards.
• Monitor and manage the commercial loan portfolio and risk.
• Support management and clients on lending matters; lead credit projects.
• Build partnerships with sales, relationship managers, and executives.

Skills

Financial principles

Regulatory structure

Commercial credit analysis

Partnership building

Education

Bachelor's Degree + 10 years

HS Diploma/GED + 14 years

Job description

Overview

This is a remote role that may be hired in the Eastern Time Zone. This position leads a regional credit team to drive loan portfolio performance and processes. Reviews, negotiates, and decisions commercial loans and servicing plans. Serves as the regional risk control officer to mitigate loss, delinquency, and overall risk for assigned credit portfolios. Works closely with sales leadership, relationship managers, and associates to support strategic objectives and business plans through daily activities.

Overview

This is a remote role that may be hired in the Eastern Time Zone. This position leads a regional credit team to drive loan portfolio performance and processes. Reviews, negotiates, and decisions commercial loans and servicing plans. Serves as the regional risk control officer to mitigate loss, delinquency, and overall risk for assigned credit portfolios. Works closely with sales leadership, relationship managers, and associates to support strategic objectives and business plans through daily activities.

Responsibilities & Qualifications

• Commercial Lending Oversight - Provides leadership to the commercial loan underwriting and approval process. Ensures that credit quality standards, Key Risk Indicators, lending targets, and compliance requirements are met. Identifies inefficiencies, voids, or deficits in lending processes and develops appropriate solutions. Supports the Bank’s safety and soundness objectives.
• Portfolio Management - Responsible for the monitoring, oversight, risk management, and overall performance of the Commercial loan portfolio. Maintains a strong knowledge of the Banks’ larger credit relationships to provide approval, relevant strategies, and to effectively manage risk.
• Business Support - Serves as a front-line resource to management and commercial clients throughout the organization for all commercial lending matters. Participates in Special Assets meetings for commercial loans. Leads credit-related projects and initiatives.
• Relationship Development - Establishes and maintains successful partnerships with sales leadership, relationship managers, and executives to ensure that commercial lending objectives are effectively communicated and carried out. May represent the Credit Administration department on committees.

Qualifications

• Bachelor's Degree and 10 years of experience in Commercial Lending OR High School Diploma or GED and 14 years of experience in Commercial Lending

Skills

• Knowledge of financial principles and concepts
• Knowledge of financial or credit industry regulatory structure
• Proficient at Commercial Credit Analysis
• Effective partnership building skills

Additional Information

This job posting is expected to remain active for 5 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 $170,000 and $195,000. 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.

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.