Commercial Credit Analyst I

Overview This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office. This position provides support to the credit sales organization, vendor partners and senior management through the underwriting and adjudication of commercial credit applications. Reviews publicly and privately available information and risk assessments on commercial borrowers, analyzing internal pay history as necessary. Adjudicates opportunities within individual lending authority and recommends decisions over and above established delegated authority. This is something that we use to add to the “Overview” section: This is a hybrid role, with the expectation that work time will regularly take place inside and outside of a company office. This position reviews commercial credit line requests for the Credit Administration function of the Bank. Analyzes commercial business customer financial data to determine creditworthiness. Responsibilities Credit Line Review - Reviews business customer data in order to make sound credit decisions. Verifies quality of supporting documentation, updating, and categorizing according to status changes in the portfolio. Identifies any servicing deficiencies, policy violations, or credit risks. 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 - Identifies potential losses and exposures during loan assessment. Recommends strategies or solutions to address credit risk. Reporting - Produces 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. Analysis - Sources, compiles, and interprets commercial to determine the creditworthiness of a business client. Analyzes factors that impact credit on both a quantitative and qualitative basis. Assists with analyzing loan processes for accuracy and efficiency, effectively communicates analysis output. Business Support - Provides analytical insight and technical skill to lending activities, developing industry, data, and credit knowledge to serve as a resource to associates. May recommend process improvements and risk mitigation strategies identified through data trends. Documentation - Obtains and monitors financial documentation utilized in analysis efforts. Ensures accuracy, completeness, and consistency of documentation. Reporting - Produces reports based on analysis, key loan metrics, and credit relationships. Identifies and communicates trends that indicate risk or credit issues. Qualifications Bachelor's Degree and 0 years of experience in Banking or Financial industry OR High School Diploma or GED and 4 years of experience in Banking or Financial industry Preferred Qualifications Bachelor's in Accounting or Finance Credit decisioning experience Underwriting experience Commercial credit analysis experience Banking and/or Finance industry experience T he base pay for this position is generally between $75,000.00 and $85,000.00. 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. Credit Line Review - Reviews business customer data in order to make sound credit decisions. Verifies quality of supporting documentation, updating, and categorizing according to status changes in the portfolio. Identifies any servicing deficiencies, policy violations, or credit risks. 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 - Identifies potential losses and exposures during loan assessment. Recommends strategies or solutions to address credit risk. Reporting - Produces 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. Analysis - Sources, compiles, and interprets commercial to determine the creditworthiness of a business client. Analyzes factors that impact credit on both a quantitative and qualitative basis. Assists with analyzing loan processes for accuracy and efficiency, effectively communicates analysis output. Business Support - Provides analytical insight and technical skill to lending activities, developing industry, data, and credit knowledge to serve as a resource to associates. May recommend process improvements and risk mitigation strategies identified through data trends. Documentation - Obtains and monitors financial documentation utilized in analysis efforts. Ensures accuracy, completeness, and consistency of documentation. Reporting - Produces reports based on analysis, key loan metrics, and credit relationships. Identifies and communicates trends that indicate risk or credit issues. Bachelor's Degree and 0 years of experience in Banking or Financial industry OR High School Diploma or GED and 4 years of experience in Banking or Financial industry Preferred Qualifications Bachelor's in Accounting or Finance Credit decisioning experience Underwriting experience Commercial credit analysis experience Banking and/or Finance industry experience T he base pay for this position is generally between $75,000.00 and $85,000.00. 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.