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First Citizens Federal Credit Jobs (NOW HIRING)

First Citizens Bank

Business Banker

Murphy, NC

What sets First Citizens apart? Strong leadership, enduring values and a commitment to helping ... Engage in an efficient loan approval process with open communication and exposure to credit ...

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First Citizens Federal Credit information

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$25.5K

$67.7K

$129K

How much do first citizens federal credit jobs pay per year?

As of Jul 16, 2026, the average yearly pay for first citizens federal credit in the United States is $67,658.00, according to ZipRecruiter salary data. Most workers in this role earn between $36,000.00 and $92,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Credit Analyst at First Citizens Federal Credit, and why are they important?

To thrive as a Credit Analyst at First Citizens Federal Credit, you need strong analytical abilities, financial modeling expertise, and a relevant degree in finance, accounting, or economics. Proficiency in credit risk assessment tools, financial analysis software, and systems like Microsoft Excel is typically required. Attention to detail, effective communication, and sound judgment are soft skills that distinguish top performers in this role. These skills are crucial for making informed lending decisions, minimizing risk, and supporting the financial health of the credit union.

What are some common challenges faced by employees working at a credit union like First Citizens Federal Credit, and how can they be addressed?

Employees at a credit union such as First Citizens Federal Credit often encounter challenges related to balancing excellent member service with regulatory compliance and efficiency. The fast-paced environment may require staff to adapt quickly to new technologies and procedures while maintaining a high level of accuracy in financial transactions. Team collaboration is essential, as departments often work closely to resolve member issues and improve service delivery. Employees can address these challenges by proactively seeking training, staying updated on industry regulations, and fostering open communication with colleagues and management.

What is First Citizens Federal Credit Union?

First Citizens Federal Credit Union is a member-owned financial cooperative that provides a range of banking services such as savings accounts, checking accounts, loans, mortgages, and other financial products. Unlike traditional banks, credit unions like First Citizens are not-for-profit organizations, which means they return profits to their members in the form of lower fees and better interest rates. Membership is typically open to individuals who live, work, or worship in certain communities or who meet specific eligibility criteria. The institution focuses on serving the needs of its members and supporting local community initiatives. Joining a credit union can offer personalized service and a community-focused banking experience.

What is the difference between First Citizens Federal Credit and Loan Officer?

AspectFirst Citizens Federal CreditLoan Officer
CredentialsTypically requires a high school diploma or equivalent; some roles may need relevant financial certificationsRequires a high school diploma; often preferred to have mortgage or financial certifications
Work EnvironmentCredit unions, customer service, financial advisingBank branches, mortgage companies, financial institutions
Industry UsageUsed within credit unions and cooperative financial institutionsCommonly employed in banks, mortgage companies, and lending institutions

While both roles involve financial services, First Citizens Federal Credit staff typically work within credit unions focusing on member services, whereas Loan Officers primarily handle lending processes in banks or mortgage firms. The roles share similar credentials but differ in work environment and industry focus.

More about First Citizens Federal Credit jobs
What are the most commonly searched types of First Citizens Federal Credit jobs? The most popular types of First Citizens Federal Credit jobs are:
What job categories do people searching First Citizens Federal Credit jobs look for? The top searched job categories for First Citizens Federal Credit jobs are:
Infographic showing various First Citizens Federal Credit job openings in the United States as of July 2026, with employment types broken down into 88% Full Time, 9% Part Time, 1% Temporary, 1% Contract, and 1% Nights. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $67,658 per year, or $32.5 per hour.
Underwriter Portfolio Manager II-Sponsor

Underwriter Portfolio Manager II-Sponsor

First Citizens Bank

Chicago, IL • On-site

$90K - $105K/yr

Full-time

Posted 22 days ago

First Citizens Bank rating

7.5

Company rating: 7.5 out of 10

Based on 104 frontline employees who took The Breakroom Quiz

92nd of 149 rated banks

Job description

Overview
This is a hybrid role with the expectation that time working will regularly take place inside and outside of the company office.
First Citizens offers you the strength and stability of a diversified financial institution with a 125-year tradition of service and the personalized approach of a nimble financial partner.
First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of more than 550 branches in 23 states and commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $230 billion in assets.
First Citizens Sponsor Finance provides cash flow senior debt for private equity-backed transactions in the middle market and lower middle market throughout the United States.
As an Underwriter Portfolio Manager II, this is an opportunity to work within a small and growing group for a top 20 Bank, with significant advancement opportunities both in the department and other functional areas of First Citizen's Commercial Bank.
Candidates will work within a team construct to assist in the credit underwriting and portfolio management of diverse debt solutions for middle-market companies. Specifically: (i) LBO Financing, (ii) Acquisition Financing, (iii) Debt Refinancing, and (iv) Recapitalizations-working with potential borrowers, private equity teams, and other Lenders.
Responsibilities
  • Prepare cash flow models, conduct independent industry research, will assist in the underwriting of credits, and will manage accounts post close
  • Specific new business underwriting duties include: i) financial modeling; ii) independent industry research; iii) compiling and presenting approval requests; iv) preparing and negotiating legal documents; and v) funding and closing transactions
  • Specific portfolio management duties include: i) preparing waiver and amendment requests or underwriting add-on opportunities; ii) monitoring individual accounts for performance trends to ensure accurate and timely risk ratings; and iii) maintaining credit files in preparation for internal or external audits
  • Ensure compliance with all FCB policies and procedures
  • Firm understanding of FCB systems and resources
  • Risk Management - Identifies risks through periodic reviews, analysis, and research of new and existing loans. Communicates identified risks, financial performance and credit agreement compliance, and potential changes in the portfolio. Identifies emerging credit problems and industry trends. Adheres to all external regulations and internal policies and procedures ensuring compliance

Qualifications
Bachelor's Degree and 1 years of experience in Credit analysis, underwriting or Risk Management OR High School Diploma or GED and 5 years of experience in Credit analysis, underwriting or Risk Management
Preferred Skills:
  • Bachelor's degree in Business, Economics, Finance
  • Finance / Banking experience
  • 1 plus years experience in commercial underwriting / leverage finance
  • Strong analytical skills and underwriting knowledge in commercial lending or related financial environment
  • Demonstrated quantitative skills with attention to detail
  • Excellent oral and written communications skills
  • Time management skills to efficiently handle multiple tasks with changing priorities. Demonstrated ability to anticipate and problem solve to then take initiative to drive processes forward and make recommendations
  • Detailed knowledge of Microsoft Office Applications
  • Attention to detail and ability to solve problems
  • Completion of a formal credit training program
  • Ability to function both independently and as part of a deal team.

The base pay for this position is generally between $90,000.00 and $105,000.00. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, 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.

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