Overview

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. Serves as a senior advisor to management on identified issues, assisting in initiatives to resolve discrepancies and manage risk. May occasionally guide less experienced associates in the work group.

Responsibilities & Qualifications

Duties & Responsibilities:
Portfolio Review - Performs an advanced analytical review of selected loan relationships. 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 focus on risk trends. Maintains accurate credit scores by interpreting data from tax returns and financial statements. Periodically evaluates and approves action plans.

Risk Mitigation - Responsible for managing potential losses and exposures identified during portfolio assessment. Assists in developing and implementing credit risk strategies or solutions. Approves or declines grade change requests from the field based on appropriate risk migration.

Reporting - Produces reports based on the results of portfolio assessment. Conveys patterns, deficiencies, and other areas of concern or review. Ensures that reports are complete and accurate. Documents policy or regulation exceptions.

Position Specific Skills:
Knowledge of accounting and finance principles
Knowledge of current laws and regulations, loan documentation, and Bank policy

Credit Analysis

Qualifications:
Minimum Required Education and Experience: Bachelor's Degree and 6 years' experience OR High School Diploma or GED/Equivalent and 10 years' experience in Commercial Lending or Credit Administration

Additional Requirements:

• Consumer Lending knowledge
• Experience in cashflow analysis
• Leading risk initiatives and consumer products

Preferred Qualifications:

• Strong knowledge of consumer lending products, including HELOCs, residential mortgages, auto loans, credit cards, and unsecured lending.
• Demonstrated ability to analyze portfolio performance, delinquency trends, loss metrics, and emerging credit risks.
• Experience conducting credit risk assessments, issue management, root cause analysis, and remediation activities.
• Strong understanding of consumer credit analytics, debt-to-income calculations, credit bureau reporting, and consumer cash flow analysis.
• Large financial institution experience
• Strong communication and writing skills

Additional Information

The base pay for this position is generally between $105,000 and $140,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

This job posting is expected to remain active for 45 days from the initial posting date listed above. If it is necessary to extend this deadline, the posting will remain active as appropriate. Job postings may come down early due to business need or a high volume of applicants.

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.