Credit Analyst I

Join Our Team—Where Integrity and Precision Safeguard Strong Banking Relationships

We’re seeking a Credit Analyst I to support accurate, thoughtful credit analysis across our lending portfolio. This role plays a key part in protecting the Bank’s credit quality by ensuring financial analysis, underwriting, and portfolio monitoring are executed with care, consistency, and attention to detail.

As part of our continued commitment to strategic focus and accountability, First Carolina Bank is guided by our core values: Intentional, Responsive, Enterprising, and Considerate. These principles shape how we manage risk, collaborate with lenders, and deliver sound financial solutions to our customers and communities.

Why You’ll Love This Role

• Build a strong foundation in credit analysis within a well-structured, supportive banking environment

• Develop technical skills in spreading financials, underwriting, and portfolio monitoring

• Work closely with lenders and experienced credit leaders to learn commercial and consumer credit

• Contribute to high-quality, repeatable work that directly supports risk management and regulatory compliance

• Thrive in a steady, process-driven role where accuracy and consistency matter

• Grow your career within a collaborative team that values patience, professionalism, and continuous learning

What Makes You a Great Fit

• Detail-oriented and methodical, with a strong commitment to accuracy and quality

• Comfortable following established processes, guidelines, and regulatory requirements

• Patient, dependable, and steady in managing recurring analytical work

• Professional and service-oriented when partnering with lenders and internal teams

• Thoughtful and cautious with risk, relying on facts, financial data, and proven processes

• Collaborative and supportive, with a preference for contributing within a team-focused environment

• Communicates clearly, factually, and respectfully

Key Responsibilities

• Spread consumer and commercial financial statements to assess borrower financial position

• Assist with underwriting new and renewing credits, including loan presentations and annual reviews

• Support portfolio monitoring activities such as covenant testing, borrowing bases, and financial tracking

• Maintain organized and accurate credit files and documentation

• Meet with lenders to gain understanding of new and existing loan relationships

• Assist with internal and external audits and regulatory exams, including FDIC Safety & Soundness

• Complete reports, analyses, and special projects as directed by management

• Adhere strictly to established credit processes, policies, and documentation standards

Qualifications

• Bachelor’s degree from a four-year institution

• Strong ability to read, analyze, and interpret financial statements and complex documents

• Ability to work under deadlines while maintaining accuracy and consistency

• Proficiency with Microsoft Office Suite

Preferred • Business degree in Accounting or Finance

• 1 year of experience in bank lending, loan review, credit analysis, or compliance

• Basic knowledge of financial spreading, loan underwriting, loan grading, and portfolio monitoring

Risk Management Requirements

• Adheres to workplace policies, code of conduct, confidentiality, privacy, and information security standards

• Complies with all applicable regulatory requirements, including BSA, AML, and USA PATRIOT Act policies

• Acts within authorized limits and delegated authorities

• Follows established credit, documentation, and control processes to protect the Bank, customers, and shareholder

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Benefits

• Competitive total compensation

• Comprehensive health, dental, and vision insurance

• Retirement savings plan with company match

• Paid time off and paid holidays

• Professional development and career growth opportunities

• Employee assistance programs

• Opportunity to contribute to the safety, soundness, and long-term success of the Bank

Our Core Values

Enterprising: We approach our work with discipline, curiosity, and sound judgment.

Intentional: We deliver accurate, thoughtful analysis and follow through with care.

Responsive: We provide reliable, timely support that earns trust across the organization.

Considerate: We collaborate respectfully, valuing teamwork, professionalism, and accountability.

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