First Citizens Bank Looking for SBA Regional Credit Officer (Remote) at Raleigh, NC Full Time

This position reviews and decisions loans for the Small Business Administration (SBA) function of the Bank. Approves or declines 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, SBA SOP 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.

• This is a fully remote opportunity anywhere within the United States*

Responsibilities

• Loan Review – Analyses, negotiates, and declines or approves SBA 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 SBA loan decision process.
• Relationship Development – Establishes and maintains working relationships with management, associates, and business units to ensure that commercial lending objectives are effectively communicated and carried out. Represent the SBA 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.

Qualifications

Bachelor’s Degree and 6 years of experience in Credit Administration, Credit Sales, Underwriting, or Servicing

-OR-

High School Diploma or GED and 10 years of experience in Credit Administration, Credit Sales, Underwriting, or Servicing

Additional Qualifications

• SBA underwriting experience required
• Experience working with credit deals up to 5 million preferred
• Knowledge of financial accounting theory and logic, loan structuring, commercial products, and services