Senior Credit Review Officer

First Citizens Bank • Raleigh, NC

40d • $115,000 - $175,000 • 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. Serves as senior advisor to management on identified issues, assisting in initiatives to resolve discrepancies and manage risk. May interact with external parties including regulators and/or external auditors.

Requirements

• Bachelor's Degree and 8 years of experience in Commercial Lending or Credit Administration OR High School Diploma or GED and 12 years of experience in Commercial Lending or Credit Administration

Nice To Haves

• Credit Risk Certifications
• Knowledge of accounting and finance principles
• Possess thorough knowledge of credit management and portfolios
• Knowledge of current laws and regulations, loan documentation, and bank policies

Responsibilities

• Portfolio Review - Analyzes information to assess portfolio quality, identify credit risk and opportunities. Performs an advanced analytical review of complex selected loan relationships to verify compliance with regulatory guidelines and bank policies. Verifies quality of supporting documentation and credit risk mitigation based on financial, collateral, and documentation analysis. Analyzes trends, deficiencies, and other areas of concern and communicates analysis and status to senior management. Serves as a subject matter expert.
• Leadership - Serves as mentor to more junior associates in the department. Completes secondary review of associate work to ensure work aligns with departmental expectations. Participates in the development and training of department associates.
• Project Management - Leads projects including planning, oversight, and reporting. May serve on, or lead, special projects related to departmental initiatives. Serves as member of due diligence team for future acquisitions, as needed.
• Collaboration - Maintains effective and professional relationships with internal associates and Bank management. May interact with external parties, as needed. Serve as a primary point-of-contact with Bank management for assigned areas of responsibility.

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Number of Employees: 5,001-10,000 employees