Commercial Credit Associate I

:

• 28853
• 201 S Tryon Street STE 600
• Charlotte, North Carolina
• COMM SVCS CUSTOMER CREDIT
• Monday - Friday
• 05/13/2025

Overview 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. Qualifications Bachelor's Degree and 1 years of experience in Credit Analysis -OR- High School Diploma or GED and 5 years of experience in Credit Analysis Additional Requirements: Financial statement analysis experience Business professional phone etiquette Proven ability to build professional relationships Microsoft Office proficiency Organized with advanced attention to detail Preferred Qualifications: Bachelor's in Accounting or Finance Credit decisioning experience Underwriting experience Commercial credit analysis experience Banking and/or Finance industry experience 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.

First Citizens Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race (including traits historically associated with race, such as hair texture and protective hairstyles), color, religion, national origin, sex, age, disability, protected veteran status, sexual orientation, gender identity, genetic information, military membership, application, or obligation, or any other legally protected status. Section 19 of the Federal Deposit Insurance Act prohibits First Citizens Bank from employing individuals convicted of certain criminal offenses. Offers of employment will be contingent upon a satisfactory background check. The Bank is committed to maintaining a safe workplace free from the influence of prohibited drugs and the misuse of alcohol and will not tolerate any prohibited drug use or alcohol misuse that jeopardizes the safety of associates, customers or others at the workplace, or threatens the Bank's operations or competitiveness.

If you have a disability and need special assistance or accommodation to apply for employment at First Citizens Bank, please contact our Human Resources department at View phone number on us.edajobs.com or email us at View email address on us.edajobs.com.