SBA Regional Credit Officer – SBA 7A

First Citizens Bank

. Review, analyze, negotiate, decline, and approve SBA loans and servicing plans .

Posted 11/9/2026full-timeRemote • North Carolina • United StatesMid-LevelSenior💰 $105,000 - $140,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in SBA Credit Analysis, Lending, and Underwriting, with a strong ability to assess credit risks and communicate decisions effectively. Proven track record in mentoring associates and improving departmental processes to enhance credit approval efficiency.

Highest-signal resume keywords

SBA Credit AnalysisLoan ApprovalCredit Risk AssessmentSBA SOP KnowledgeCommunication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisLoan Servicing PlansNegotiation SkillsUnderwritingCredit PoliciesFinancial PrinciplesMarket Trends AnalysisCredit GradingProcess ImprovementTraining Needs Identification

Soft Skills

Relationship BuildingMentorshipAdvisory SkillsCollaborationCommunication

Certifications & Qualifications

Bachelor's DegreeHigh School Diploma or GED/Equivalent

Industry Keywords

SBA LoansCredit ExtensionRisk MitigationDelinquency ManagementCredit Portfolio Management

About the role

Key responsibilities & impact

Review, analyze, negotiate, decline, and approve SBA loans and servicing plans
Assess credit risks and establish appropriate grades
Ensure loan decisions are consistent, objective, compliant, and aligned with Bank and customer needs
Communicate credit decisions to all involved parties and recommend further action
Maintain current knowledge of market and industry trends affecting credit extension
Communicate lending-related changes to lending personnel
Advise credit approval associates within the assigned region on credit analysis, negotiation, strategy, and underwriting
Serve as the primary contact for associates regarding the SBA loan decision process
Establish and maintain working relationships with management, associates, and business units
Represent the SBA department on various committees
Participate in civic and trade groups to network for the Bank's benefit
Identify training needs, process improvements, and skill deficiencies among line units
Recommend departmental policies and procedures to address identified issues
Assist in mitigating loss, delinquency, and overall risk for an assigned credit portfolio
Provide guidance and mentorship to less experienced credit approval associates

Requirements

What you’ll need

Bachelor's Degree and 6 years' experience OR High School Diploma or GED/Equivalent and 10 years' experience in SBA credit analysis, lending, or underwriting and credit approval
Knowledge of financial principles and concepts
Experience in SBA credit analysis, lending, or underwriting and credit approval
Ability to analyze, negotiate, decline, and approve SBA loans and servicing plans
Ability to assess credit risks and establish appropriate grades
Knowledge of SBA SOP and credit policies and procedures
Ability to communicate credit decisions to involved parties
Knowledge of market and industry trends affecting the extension of credit
Ability to advise credit approval associates on analyzing, negotiating, strategizing, and underwriting credits
Ability to establish and maintain working relationships with management, associates, and business units
Ability to identify training needs, process improvements, and skill deficiencies
Ability to work remotely in an East Coast market

Benefits

Comp & perks

Competitive, thoughtfully designed and quality benefits program
Benefits may include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment