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First Credit Jobs in Raleigh, NC (NOW HIRING)

First Citizens Bank

Senior Commercial Underwriter

Raleigh, NC · Hybrid

$87K - $103K/yr

... credit relationships 5 million and above * Microsoft Excel competency required * Strong written and verbal communication skills required Benefits are an integral part of total rewards and First ...

First Citizens Bank

Senior Commercial Underwriter

Raleigh, NC · Hybrid

$87K - $103K/yr

... credit relationships 5 million and above * Microsoft Excel competency required * Strong written and verbal communication skills required Benefits are an integral part of total rewards and First ...

First Citizens Bank

Senior Commercial Underwriter

Raleigh, NC · On-site

$87K - $103K/yr

... credit relationships 5 million and above * Microsoft Excel competency required * Strong written and verbal communication skills required Benefits are an integral part of total rewards and First ...

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All JobsFirst Credit JobsFirst Credit Jobs in Raleigh, NC

First Credit information

See Raleigh, NC salary details

$12

$22

$32

How much do first credit jobs pay per hour?

As of Jun 11, 2026, the average hourly pay for first credit in Raleigh, NC is $22.54, according to ZipRecruiter salary data. Most workers in this role earn between $18.70 and $25.24 per hour, depending on experience, location, and employer.

What are some common challenges faced by First Credit analysts, and how can they be addressed on the job?

First Credit analysts often encounter challenges such as assessing the creditworthiness of applicants with limited financial history and managing a high volume of applications under tight deadlines. To address these, it’s helpful to develop strong analytical skills, stay updated on credit risk assessment tools, and maintain clear communication with both clients and internal teams. Collaborating closely with risk managers and underwriters can also help ensure accurate and timely decision-making. Continuous professional development and learning about emerging credit trends can further support success in this role.

What is the difference between First Credit vs Credit Analyst?

AspectFirst CreditCredit Analyst
Required CredentialsHigh school diploma or equivalent; some roles may require additional certificationsBachelor's degree in finance, economics, or related field; certifications like CFA can be advantageous
Work EnvironmentOffice setting, often in financial institutions or credit agenciesOffice environment, working with financial data and client information
Industry UsageUsed broadly in credit and lending sectors for initial credit assessmentsSpecialized role within banking, finance, and lending institutions for detailed credit analysis

First Credit roles typically involve initial credit assessments and require basic financial knowledge, while Credit Analysts perform in-depth analysis of credit data, often requiring higher education and certifications. Both roles are essential in the lending process but differ in complexity and qualifications.

What are First Credit jobs?

First Credit jobs typically refer to positions at companies named First Credit or roles related to the initial stage of credit analysis and management. These roles often involve assessing the creditworthiness of individuals or businesses, managing accounts, and handling collections or customer inquiries. Employees may work as credit analysts, customer service representatives, or collections agents. The primary goal is to help organizations manage risk, approve appropriate credit lines, and ensure timely payments. Strong communication, analytical skills, and attention to detail are important for these jobs.

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

To thrive as a Credit Analyst, you need a solid understanding of financial analysis, accounting principles, and risk assessment, typically supported by a degree in finance, accounting, or a related field. Familiarity with financial modeling software, Microsoft Excel, and credit risk management systems is essential. Strong analytical thinking, attention to detail, and effective communication skills help you interpret data and present findings clearly. These abilities are crucial for accurately evaluating creditworthiness and supporting sound lending decisions.
What are popular job titles related to First Credit jobs in Raleigh, NC? For First Credit jobs in Raleigh, NC, the most frequently searched job titles are:
What job categories do people searching First Credit jobs in Raleigh, NC look for? The top searched job categories for First Credit jobs in Raleigh, NC are:
First Credit jobs near you

AVP Commercial Credit Officer II (Remote)

The Bancorp Bank, N.A.

Morrisville, NC • Remote

$65K - $113K/yr

Other

Posted 1 hour ago

Job description

AVP Commercial Credit Officer II (Remote)
Job Location US-NC-Morrisville
Type Full Time
Overview

Work Arrangement:

***This is a remote position and can be located anywhere in the U.S.A.***

Performs complex credit analysis and financial reviews of new and existing loan requests.

At The Bancorp, we've spent more than 25 years driving innovation in the financial services industry. As one of the first banks to embrace fintech, we combine technology, expertise and a forward-looking approach to deliver creative, real-world solutions. We work side by side with our partners to help them grow and innovate with confidence. Across Fintech Solutions, Institutional Banking, Commercial Lending and Real Estate Bridge Lending, we provide the people, processes, technology and banking capabilities that turn bold ideas into outcomes.

Join a team that brings urgency and rigor to every challenge and plays a direct role in driving growth for our clients and the communities we serve.

Credit Solutions: Small Business Lending

The Bancorp's Small Business Lending team helps businesses across the country access SBA and other financing solutions that support growth. As part of this team, you'll contribute to delivering tailored financial solutions, supporting the lending process from origination through funding and helping drive successful outcomes for business owners and the communities they serve.

Key Responsibilities
    Analyzes financial statements on complex credit requests to make an initial assessment of the level and quality of credit risk and viability of repayment.
  • Works with salesperson to structure each loan request to best protect the bank and to meet borrower's desired outcome.
  • Conducts borrower interview with applicant and/or designated third parties such as borrower's CPA, controller, etc.
  • Contacts salesperson for additional information pertinent to the underwriting activities. Works with customers and SBL/leasing sales team to collect required credit information for underwriting loan and lease requests.
  • Verifies existing borrower's total and current exposure in the loan and leasing systems and databases, e.g., Loan Manager, and Spark, as well as hard file information and ensures that it is within departmental risk levels.
  • Generates credit memorandum to include a detailed financial analysis, customer's background, summary of current and prior year fiscal results, and cash flow analysis on more complex credits.
  • Determines and presents recommended action (approval or decline) to senior management. Recommendation to include all relevant financial analysis, supporting collateral and market information in accordance with the organization's credit standards and policies.
  • Maintains accurate and complete loan files. Validates that all required authorizations, compliance, and approvals are obtained prior to closing underwriting documentation and files. Creates and maintains approvals and files.
  • Develops close working partnerships with the sales team, leasing and SBL operations, and other internal company staff to ensure open communication channels are available to handle issues associated with the credit analysis and review of clients. Quickly responds to calls and requests for information from the team.
  • Recommends process, procedural, and/or operational changes to improve the efficiency of the credit review process.
  • Serves as the primary backup for the manager approving daily rental funding requests. In addition, monitors, tracks, and updates title information related to daily rental customers and leasing customers.
  • Trains and mentors less experienced credit officers and analysts.
  • Utilizes and develops knowledge of government guaranty loan programs (SBA, 7a, 504, SLA, Express, USDA B&I), including changes to the programs implemented by the governing agency.
  • Utilizes and develops knowledge of fleet leasing parameters such as lease types, guidance line requirements and asset valuation methods.
  • Performs other duties as assigned.
Qualification Requirements
  • Undergraduate degree in a related field or an equivalent combination of training and experience.
  • 5 years of commercial credit analysis or fleet/equipment leasing experience.
  • Strong working knowledge and understanding of traditional financial analysis.
  • Strong organizational, time management and prioritization skills to meet loan committee deadlines.
  • Excellent verbal, written, and interpersonal communication skills with strong presentation skills.
  • Team player, able to work effectively in a team fostered, multi-tasking environment.
  • Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook.
Additional Information

This job will be open and accepting applications for a minimum of five days from the date it was posted.

Salary Range: $65,957 - $113,340

This information reflects the base salary pay range for this job based on current national market data. Ranges may vary based on the job's location. We offer competitive pay that varies based on individual experience, qualifications and other relevant factors. We encourage you to apply to positions that you are interested in and for which you believe you are qualified. To learn more, you are welcome to discuss with us as you move through the selection process.

Working at The Bancorp Bank, N.A. and Benefits Information: https://thebancorp.com/company/join-our-team/

Company Culture & Background Screening

Company Culture at The Bancorp Bank: https://www.thebancorp.com/company/company-culture/

The Bancorp Bank, N.A. is an EQUAL OPPORTUNITY EMPLOYER and will not discriminate on the basis of race, color, religion, gender, gender identity, sexual orientation, pregnancy, citizenship, national origin, age, disability, genetic information, veteran status or other protected category with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment.

Employment with The Bancorp Bank, N.A. includes successfully passing a background check including credit, criminal, education, employment, OFAC, and social media background history.

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