Regional Credit Officer

First Citizens Bank hiring for Regional Credit Officer jobs in Creedmoor, NC, US

This is a remote role that may only be hired in North Carolina, South Carolina, Virginia, or Tennessee. It is preferred that the candidate is a commutable distance to Raleigh, NC. 

The Regional Credit Officer reviews, negotiates, and decisions business loans and servicing plans for the Credit Administration function of the Bank. Approves or declines business loans after reviewing, and submits to the appropriate party for further action after initial decisioning. Ensures loan approvals are in compliance with credit policies, procedures, and organizational philosophy. Assists in mitigating loss, delinquency, and overall risk for an assigned credit portfolio. Provides guidance and mentorship to less experienced credit approval associates within the work group.

• Loan Review - Analyzes, negotiates, and declines or approves business loans and servicing plans. Assesses credit risks and establishes appropriate grades. Ensures loan decisions are consistent, objective, and compliant while meeting Bank and customer needs. Communicates credit decisions to all involved parties and recommends further action.
• Credit Expertise - Maintains current knowledge market and industry trends that affect the extension of credit, and communicates changes to lending personnel. Advises credit approval associates within the assigned region on analyzing, negotiating, strategizing, and underwriting credits. Serves as the primary contact to associates through knowledge of the business loan decision process.
• Relationship Development - Establishes and maintains working relationships with management, associates, and business units to ensure that business lending objectives are effectively communicated and carried out. Represent the Credit Administration department on various committees. Participates in various civic and trade groups to network for the Bank's benefit.
• Business Support - Identifies training needs, process improvements, and skill deficiencies among line units. Recommends departmental policies and procedures to address identified issues.

Bachelor's Degree and 6 years of experience in Business and Commercial Underwriting

OR

High School Diploma or GED and 10 years of experience in Business and Commercial Underwriting

Preferred Qualifications: 

Experience in credit decisioning with business and commercial loans.

Knowledge of financial principles and concepts.

             Knowledge of current banking laws and regulations, loan documentation, and Bank policy. 

    Strong written and verbal communication skills required.

First Citizens benefits programs are designed to meet our associates where they are in life. Full-time associates (20+ hours) are offered a comprehensive benefits program, with customized offerings, including those designed to support families, however defined. More information regarding our benefits offerings can be found here: https://jobs.firstcitizens.com/benefits