First Citizens Bank · 7 hours ago
SBA Regional Credit Officer
United States
Full-time
Remote
Senior Level
6+ years expFirst Citizens Bank is a financial institution seeking a SBA Regional Credit Officer. This role involves reviewing and making decisions on SBA loans, ensuring compliance with policies, and providing guidance to less experienced associates while managing credit risk for the bank.
BankingInsuranceLendingPaymentsWealth Management
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
Qualification
Required
Bachelor's Degree and 6 years of experience in SBA credit analysis, lending, or underwriting and credit approval
High School Diploma or GED and 10 years of experience in SBA credit analysis, lending, or underwriting and credit approval
Preferred
Knowledge of financial principles, concepts, and SBA experience
Ability to analyze personal and commercial financial statements, P&L sheets, balance sheets, basic and current financial ratios
Computer literate: fluent in Microsoft Office programs (Excel analysis required)
Strong analytical skills and math aptitude
Self-Motivator with the ability to effectively prioritize work and deadlines
Ability to work on multiple projects simultaneously, managing time and resources to ensure work is completed efficiently and within established timeframes
Excellent written and oral communication skills
Strong organizational, strategic, and analytical skills
Company
First Citizens Bank
First Citizens Bank provides banking services, essential business and professional services, wealth management capabilities, and more.
10001+ employees
H1B Sponsorship
First Citizens Bank has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (126)
2024 (115)
2023 (249)
2022 (53)
2021 (12)
2020 (9)
Funding
Current Stage
Public CompanyTotal Funding
$33M2021-05-07Post Ipo Debt· $10M
2018-08-29Post Ipo Debt· $23M
1986-10-31IPO
Leadership Team
C
Craig Nix
Chief Financial Officer
Greg Smith
Chief Information and Operations Officer
Recent News
2025-12-22
2025-12-21
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