Commercial Credit Associate ; Hybrid

This is a hybrid role (Charlotte, NC) with the expectation that time working will regularly take place inside and outside of a company office.

This position is 1 day in-office per week, mandatory Wednesday. In Q1 of 2027, this position will transition to 2 to 3 days in-office per week.

This position reviews short-term loan requests for the Credit Administration function of the Bank. This person is responsible for evaluating and analyzing financial, credit, and risk information to determine the approval and denial of loan and credit requests. Analyzes both commercial and personal client financial data to determine creditworthiness.

• Loan Review – Review loan applications, financial statements, tax returns, and other supporting documentation. Analyze borrower creditworthiness, cash flow, collateral, and repayment capacity. Reviews client data in order to make sound credit decisions. Prepare detailed credit memorandums and recommendations for management or loan committee approval.
• 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
  - Assess risk factors and make sound underwriting decisions within established lending authority.
• Reporting
  - Produces monthly 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.

• Data Gathering and Reporting
• Credit Analysis
• Accountability

Minimum Required

Education and Experience:

Bachelor's Degree and 1 years experience OR High School Diploma or GED/Equivalent and 5 years' experience in Credit analysis

• Bachelors Degree in Finance, or Accounting
• 2-3 years Financial Statement Analysis experience
• Underwriting experience
• Organization and prioritization skills
• Excellent communication and phone skills
• Microsoft office proficiency

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

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