Credit Analyst I - Wine
 First Citizens Bank | |
 United States, California, Santa Rosa | |
| 3700 Old Redwood Highway (Show on map) | |
 Aug 24, 2026 | |
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Overview
This position provides support to the credit sales organization, vendor partners and senior management through the underwriting and adjudication of commercial credit applications within the Wine Division. Reviews private and publicly available information and low complexity risk assessments on commercial borrowers, analyzing customer/prospective customer financial statements/performance and internal pay history, as necessary. Adjudicates opportunities within individual lending authority and recommends decisions over and above established delegated authority. Responsibilities & Qualifications Duties & Responsibilities: Analysis - Sources, compiles, spreads, and begins to interpret commercial and natural person financial information to determine the creditworthiness of a business client. Analyzes factors that impact credit on both a quantitative and qualitative basis. Assists with analyzing loan processes for accuracy and efficiency, effectively communicates analysis output. Business Support - Provides analytical insight and technical skill to lending activities, developing industry, data, and credit knowledge to serve as a resource to associates. May recommend process improvements and risk mitigation strategies identified through data trends. Client outreach - Obtains and monitors financial documentation utilized in analysis efforts, from Borrowers and prospective Borrowers. Ensures accuracy, completeness, and consistency of documentation and begins to develop own COI ecosystem. Reporting - Produces reports based on analysis, key loan metrics, and credit relationships. Identifies and communicates trends that indicate risk or credit issues. Position Specific Skills: knowledge of financial principles and concepts Qualifications: Minimum Required Education and Experience: Bachelor's Degree OR High School Diploma or GED/Equivalent and 4 years' experience in Banking of Financial industry Preferred Education: Preferred Area of Study: Preferred Area of Experience: Required Licenses or Certifications: Preferred Licenses or Certifications: Additional Information Bachelor's Degree and 0-2 years of experience in Banking or Financial industry OR High School Diploma or GED and 4-6 years of experience in Banking or Financial industry Preferred Qualifications:
The base pay for this position is generally between $86,250-$120,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. 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. #LI-JW2 | |