Job Description

Overview:

The VP-Team Lead will be responsible for managing the day-to-day activities of a small group of Credit Officer\xe2\x80\x99s whose primary focus is on reviewing and adjudicating loans and leases in a range of dollar sizes and company sizes. The individual who is successful in this role will be comfortable building relationships cross functionally to help provide a positive customer experience. While this individual will be tasked with managing the day-to-day activities of a team, this person will also be asked to contribute to the direct underwriting and adjudication of applications.

The individual who succeeds in this role will help drive a culture of risk management and accountability. The ideal candidate will be someone looking to making an immediate impact, lead by example, and be looking for an opportunity to grow as a manager and leader. Responsibilities:

• Serve as a mentor and will be charged with the development of the team and act as a resource/escalation point.
• Responsible for reviewing and analyzing client credit data to determine creditworthiness.
• Reviews will include some of the larger, more complex app only transactions received.
• Daily responsibilities will also include assisting the funding/operations team on back-end risk items as well as acting as a general resource for Sales, Funding, and Credit departments

• 5 years of work experience in a credit related role in the finance or banking industry.
• Experience with spreading financial statements

• 2 years of management experience preferred.
• Experience evaluating consumer and commercial credit bureau reports.
• Experience with analyzing business financial statements and/or tax returns to determine creditworthiness

• Experience in managing a small team of underwriters.
• Self-accountability and the ability to hold others accountable
• Demonstrates initiative/confidence and is decisive.
• Ability to make effective, timely and sound recommendations and decisions on credit requests.
• Ability to analyze data and complete a trend analysis.
• Ability to work effectively in a self-directed, team-based environment.
• Comfortable in a rapidly changing environment
• Ability to prioritize and multi-task.
• The ability to develop a good working relationship cross functionally across the organization
• Exceptional analytical and financial analysis skills and the capacity to quickly learn and apply credit assessment policies and procedures.
• Demonstrates excellent verbal/written skills, interpersonal skills, analytical and problem-solving skills.
• Strong computer skills.
• Knowledge of credit scoring preferred.

First Citizens Bank