Overview This position is responsible for managing a small portfolio of problem loans. Evaluates credit risk, restructures loans, and resolves problems credits while minimizing losses. Works closely with borrowers, local bankers, and attorneys to facilitate resolution. Prepares and presents reporting to Bank management as appropriate. Responsibilities Portfolio Management - Manages an assigned portfolio of commercial, business, or Small Business Administration substandard graded relationships. Analyzes loans and supporting collateral to develop and execute a plan for resolution. Approves modifications and renewals. Identifies and documents troubled debt restructures, recommending status changes as appropriate. Reporting - Monitors assigned portfolios to report losses or significant changes. Records all actions, conversations, and financial information in department portfolio or loan management system. Presents cases to Special Assets Committee as needed. Business Support - Manages credit, operational, reputational, regulatory, and legal risks related to personal interactions, customer transactions and financial exposures. May work assigned past due or pass grade loans, escalating unresolved past due loans for potential downgrade. Communication - Works directly with borrowers, Bank counsel, and other appropriate parties to negotiate and resolve problem credits. Communicates changes and updates in portfolio clearly. Qualifications Bachelor's Degree and 2 years of experience in Commercial Banking or Small Business Administration OR High School Diploma or GED and 6 years of experience in Commercial Banking or Small Business Administration First Citizens benefits programs are designed to meet our associates where they are in life. Full-time associates (20+ hours) are offered a comprehensive benefits program, with customized offerings, including those designed to support families, however defined. More information regarding our benefits offerings can be found here: https://jobs.firstcitizens.com/benefits. This job posting is expected to remain active for 3 days from the initial posting date listed above. If it is necessary to extend this deadline, the posting will remain active as appropriate. Job postings may come down early due to business need or a high volume of applicants.