SBA Regional Credit Officer

This is a remote role that may only be hired in the following locations: North Carolina, South Carolina, Florida, Georgia, Ohio, Kentucky, and Indiana.

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 compliant 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.

• 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.

Basic Qualifications:

Bachelor's Degree and 6 years of experience in SBA credit analysis, lending, or underwriting and credit approval

-OR-

High School Diploma or GED and 10 years of experience in SBA credit analysis, lending, or underwriting and credit approval.

Preference Qualifications:

• 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

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 https://jobs.firstcitizens.com/benefits.