Commercial Credit Analyst I
First Citizens Bank is a financial institution seeking a Commercial Credit Analyst I to support their credit sales organization and senior management. The role involves underwriting and adjudicating commercial credit applications, analyzing financial data to determine creditworthiness, and producing reports on loan assessments.
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
- Analysis - Sources, compiles, and interprets commercial 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
Skills
- 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
- Bachelor's in Accounting or Finance
- Credit decisioning experience
- Underwriting experience
- Commercial credit analysis experience
- Banking and/or Finance industry experience
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.
Company Overview
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