First Citizens Bank · 1 week ago
Senior Business Credit Officer
United States
Full-time
Remote
Mid, Senior Level
4+ years expFirst Citizens Bank is a financial institution seeking a Senior Business Credit Officer to underwrite and evaluate complex business loan requests. The role involves providing support to field lending associates and maintaining knowledge of credit policies and underwriting techniques.
BankingInsuranceLendingPaymentsWealth Management
Responsibilities
Underwriting - Underwrites and evaluates business requests for either agricultural production businesses or small businesses, including complex, large, or nonstandard requests. Sources and reviews financial statements to aid in credit evaluation, ensuring the validity of the financial information used, and may create data spreads. Structures workout credits including credit grade downgrades and provides guidance or explanation behind grade structuring. Renders decisions based on sound credit judgement, updating requests accordingly in department systems or databases
Business Support - Supports field lending associates by providing feedback on credit decisions and requests. Answers questions and concerns regarding the status of applications, loan structuring, credit policy, and other matters related to business lending. Follows up on pending applications to ensure the timely disposition of all loan requests. Assists with special projects as requested and may serve as a backup for team supervisor
Loan Proficiency - Maintains current knowledge of changes in bank credit policy, industry and economic trends, and underwriting techniques. Underwrites business loans in accordance with all required policies and regulations. Identifies loan requests pertaining to special loan programs and takes action appropriately. Identifies missing data and potential issues within loan requests. Provides guidance to less experienced associates in the work group and handles escalated loan requests
Loan Administration - May administer government guaranty loan programs, which include the preparation and submission of loan packages and subsequent review of subject documents
Qualification
Required
Bachelor's Degree and 4 years of experience in Business credit analysis, or Lending, or Underwriting, or SBA
High School Diploma or GED and 8 years of experience in Business credit analysis, or Lending, or Underwriting, or SBA
Preferred
Experience in credit underwriting in the agriculture industry
Ability to analyze financial statements and other pertinent credit information and make credit decisions or recommendations
Ability to engage across functions and clearly communicate reasons why decisions were made
Ability to work independently in a fast-paced environment with multiple tasks and deadlines
Technical skills in financial statement analysis, risk analysis and legal contract requirements
Strong verbal/written skills, interpersonal skills, analytical and problem-solving skills
Strong computer skills
Experience evaluating consumer and commercial credit bureau reports
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
Samantha Bureau - Johnson
SVP & Director, Customer Contact Center
Recent News
2026-01-23
Talk Business & Politics
2026-01-16
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