Job Description

Description

Overview The Credit Quality Control Manager will be responsible for the ongoing monitoring for the entire credit organization in three main areas. These include, bank policies, processes and procedures, quality of underwriting and data integrity. In collaboration with Credit leadership, this individual will help drive consistency across the organization and identify gaps/weaknesses in key areas. The ideal candidate will be extremely detail oriented and can develop an acute understanding of the bank’s policies and procedures. To be successful in this role, this individual will need to be a self-starter, someone who is comfortable evoking change and someone who has an unwavering commitment to Risk management. Responsibilities • Ensure the entire credit organization is adhering to policies, procedures & processes • Daily/weekly/monthly sampling of underwriting decisions, financial spreads and exception tracking in order to identify areas where improvement is needed • Liaison with internal & external governing bodies (internal credit review, FDIC, etc.) • Collaborate with credit leadership to develop, deliver, and own ongoing training for the team • Present policy & procedure changes to the entire credit organization • Position may have the opportunity to work across First Citizens Bank & Legacy CIT Bank to assist in the review and quality control of various individual Business Units to ensure conformity of overall Bank policies and procedures as well as BU specific policy and procedures. Qualifications Basic Qualifications: • Minimum 8+ years’ experience in credit and/or commercial lending with a bank or commercial finance company. • BS degree required, preferably with a major in Finance or Accounting. Master’s Degree preferred • Strong writing and verbal skills Preferred Qualifications: • Strong understanding of various commercial lending products including ABL, equipment finance, real estate, etc. • Ability to interface with Senior & Executive leadership • Strong attention to detail • Excellent organizational skills and the ability to manage multiple priorities in a rapidly changing environment without compromising quality • Ability to identify and mitigate risk both at the individual deal level and portfolio levels • Experience with spreading financial statements • Ability to calculate an interpret financial ratios • Ability to engage across functions and clearly communicate reasons why decisions were made • Ability to work independently in a fast-paced environment with multiple talks and deadlines • Technical skills in financial statement analysis, risk analysis and legal contract requirements. • Strong communication skills and ability to interface with executive management, customers, attorneys, and peers