Credit Administration Advisor - Risk Rating Support & Governance (Hybrid)

Initially focused on user support, issue resolution, training, operational oversight, and business adoption of the Bank's newly implemented risk rating platform, the role will gradually assume increasing responsibility for risk rating governance, model monitoring, model lifecycle management, and business ownership activities as the program matures. This role serves as a key liaison between business users, Credit Administration, Credit Risk Management, Model Development, Model Risk Management (MRM), and Technology teams.

Overview:

This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office. The preferred locations are: Raleigh, NC or Morristown, NJ or Santa Clara, CA.

 

The Credit Administration Advisor supports the Bank's commercial risk rating framework, associated technology platforms, and related governance processes.

This role serves as a key liaison between business users, Credit Administration, Credit Risk Management, Model Development, Model Risk Management (MRM), and Technology teams. Initially focused on user support, issue resolution, training, operational oversight, and business adoption of the Bank's newly implemented risk rating platform, the role will gradually assume increasing responsibility for risk rating governance, model monitoring, model lifecycle management, and business ownership activities as the program matures.

 

The ideal candidate combines commercial credit knowledge, analytical capabilities, and an interest in credit risk rating methodologies, model governance, and risk management practices. This position offers a unique opportunity to develop into a business-side owner of the Bank's commercial risk rating framework.

Responsibilities:

Risk Rating Oversight

• Develop expertise in commercial credit risk rating methodologies, rating drivers, financial statement analysis, model outputs, and business applications.
• Support and enhance risk rating processes to ensure accuracy, completeness, and compliance.

User Support & Business Partnership

• Serve as the primary point of contact for risk rating-related inquiries that include model technology, process and/or governance related questions.
• Develop deep relationships with key business leaders.
• Translate technical model concepts into practical business guidance.
• Ensure timely issue resolution, communication, and escalation.
• Maintain procedures, job aids, training materials, FAQs, and communications.

Risk Management & Model Governance

• Partner with Credit Risk Management, Model Development, MRM, and Technology teams.
• Support implementation, governance, monitoring, validation, and enhancement of risk rating models.
• Assist with governance, audit, validation, and regulatory review activities
• Support documentation, testing, implementation, and governance activities associated with model changes.

Reporting, Analytics & Model Monitoring

• Develop reporting and analysis supporting model adoption, usage trends, override activity, and operational performance.
• Support ongoing monitoring of model performance and identify emerging trends or anomalies.
• Analyze issue trends, escalation metrics, resolution times, migration trends, and other indicators.
• Prepare reports and dashboards for management and governance forums.

Process Improvement

• Identify opportunities to improve user support, workflow efficiency, data quality, issue management, and operational controls
• Recommend sustainable solutions and future enhancements.
• Collaborate across business, risk, and technology teams to support continuous improvement initiatives.

Qualifications:

• Bachelor's Degree and 4 years of experience in Strong analytical skills, attention to detail, and a solid understanding of commercial credit operations, credit documentation, and loan servicing. OR High School Diploma or GED and 8 years of experience in Strong analytical skills, attention to detail, and a solid understanding of commercial credit operations, credit documentation, and loan servicing.

 

Preferred Qualifications

 

• Experience in commercial credit, credit risk, portfolio management, credit administration, model governance, risk analytics, or model risk management.
• Experience supporting risk rating models, scorecards, or commercial credit risk frameworks.
• Experience with commercial credit underwriting, portfolio management, risk rating assignment, annual credit reviews, or portfolio monitoring.
• Knowledge of model lifecycle management, model monitoring, model validation, governance, or MRM practices.
• Experience analyzing migrations, overrides, portfolio trends, criticized/classified asset trends, or model performance metrics.
• Strong analytical, problem-solving, and communication skills with the ability to influence both business and technical stakeholders.
• Experience with nCino, Moody's CreditLens, Archer, or similar platforms.
• Experience supporting regulatory examinations, internal audits, model validations, or governance reviews.

 

 

This job posting is expected to remain active for 8 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.

 

The base pay for this position is generally between $135,000 and $145,000. 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.

 

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