This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office. This position is 1 day in-office (Thursday) per week. In Q1 of 2027, this position will transition to 2 to 3 days in-office per week.

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.

• Analysis - 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.
• 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:

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

Skills: Knowledge of financial principles and concepts

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.