Credit Review Officer II - Commercial Underwriting

First Citizens Bank • Raleigh, NC

2d • $105,000 - $155,000 • Remote

About The Position

This is a remote role that may be hired in several markets across the United States. This position conducts an independent review of the Bank's commercial, business, and consumer loan portfolios. Assesses portfolios for credit quality, documentation accuracy, and policy compliance. Analyzes financial data to determine ongoing creditworthiness and classifies loans according to risk. This position will primarily cover the bank’s Innovation / Venture and Global Fund Banking portfolios.

Requirements

• Bachelor's Degree and 6 years of experience in Commercial Lending or Credit Administration OR High School Diploma or GED and 10 years of experience in Commercial Lending or Credit Administration

Nice To Haves

• Knowledge of accounting and finance principles.
• Knowledge of current laws and regulations, loan documentation, and bank policy.
• Experience with Innovation/Venture Lending strongly preferred.

Responsibilities

• Portfolio Review - Performs an advanced analytical review of selected loan relationships. 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 focus on risk trends. Maintains accurate credit scores by interpreting data from tax returns and financial statements. Periodically evaluates and approves action plans.
• Risk Mitigation - Responsible for managing potential losses and exposures identified during portfolio assessment. Assists in developing and implementing credit risk strategies or solutions. Approves or declines grade change requests from the field based on appropriate risk migration.
• Reporting - Produces reports based on the results of portfolio assessment. Conveys patterns, deficiencies, and other areas of concern or review. Ensures that reports are complete and accurate. Documents policy or regulation exceptions.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees