Commercial Credit Associate I (Hybrid)

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 (Wednesday) per week. In Q1 of 2027, this position will transition to 2 to 3 days in-office per week.

This position reviews financial data based on loan requests from our Commercial clients. Analyzes customer financial data to determine creditworthiness. Acts as a general resource for Sales, Funding, and Credit departments.

• Loan Review - Reviews client 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 - Managing day to day aspect of portfolio. 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.

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

Preferred:

• Underwriting experience
• Familiarity with financial statements
• Strong communication skills
• Proficiency in Microsoft Office (e.g. Excel, Word)
• Masters in Economics, Finance, or Accounting

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.

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