Commercial Credit Analyst I

First Citizens Bank•Charlotte, NC

13h•Hybrid

About The Position

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 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.

Requirements

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
Knowledge of financial principles and concepts

Nice To Haves

Experience in financial statements analysis
Strong communication and phone etiquette skills
Strong organization skills

Responsibilities

Sources, compiles, and interprets commercial and consumer bureaus 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.
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.
Obtains and monitors financial documentation utilized in analysis efforts.
Ensures accuracy, completeness, and consistency of documentation.
Produces reports based on analysis, key loan metrics, and credit relationships.
Identifies and communicates trends that indicate risk or credit issues.