Easter Seals Jobs

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Work for one of the nation's top community banks!

*Our goal is to support the growth of the communities we serve. First Citizens has a knack for hiring the finest and brightest employees; we understand how fostering their growth builds loyalty and impacts customer service. Our employees are our strongest asset. So, we accommodate families, invest in our employees' future, and recognize hard work. *

*POSITION TITLE:               *Special Assets Officer (Full-time with benefits)              

*DEPARTMENT OR BRANCH LOCATION: *       Wilmington Admin Building

JOB RESPONSIBILITIES:

• Work directly with specifically identified problem loan relationships as relationship officer to develop and implement exit or retention strategies aimed at improving bank's collateral position and maximize bank's return.
• Provide expertise in problem loan resolution and provide leadership, knowledge and support to the Relationship Managers and other lending and credit administration personnel. Once a problem is detected, work directly with Relationship Manager and/or Credit Officer/Analyst to fully analyze the credit, including risk exposure and loss estimates, borrower's financial condition, reason for default, willingness and ability to repay, alternate sources of repayment, underlying collateral value and market conditions.
• Based on analysis, determine and implement appropriate work out strategy, which may include loan modification, discounted payoff/settlement, forbearance, foreclosure and/or rights enforcement/bankruptcy.
• Develop and implement corresponding action plans, track progress and report results.
• Manage the bank's OREO portfolio including securing the bank's interest in the property; protecting, maintaining and enhancing the value of the asset; preparing plans and budgets for the management of each property; and ultimately liquidating the property at the highest possible value.
• Develop and maintain a personal program for maintaining an adequate level of knowledge in banking and management, and demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.

*JOB SKILLS AND QUALIFICATIONS REQUIRED: *

• Thorough knowledge of commercial loan underwriting, financial analysis, lending laws, regulatory requirements and collection practices.
• Proven track record of successfully managing problem loan and OREO portfolios.
• Excellent negotiation and mediation skills; ability to remain calm under pressure; able to influence others and win concessions.
• Strong collaboration skills with ability to work effectively across all levels of the organization.
• Excellent verbal and written communication skills.
• Ability to develop talent and expand the capabilities of individuals and teams.
• Strong work ethic with a commitment to excellence and achieving results in a timely manner.
• Proficient in Microsoft Office Suite and related program software.
• Proficient with or the ability to quickly learn position-related software.
• Ability to effectively use general office equipment.
• Seasoned commercial credit administrator with a minimum of ten years combined experience in commercial lending, loan administration, problem loan workout and OREO management.
• Significant experience in analyzing credit risk and structuring complex credits.
• A four-year degree in business, finance or accounting from a recognized college or university.
• MBA, JD with real estate expertise, or equivalent experience. (preferred)
• Familiar with bank audit policies and procedures. (preferred)

*POSITION AVAILABLE:  *Immediately

BENEFITS: Comprehensive benefit ackage to include:

• Health, dental, and vision benefits
• 401K w/ company match
• Paid time off; paid holidays
• Group and voluntary life insurance and disability insurance
• Aflac supplemental plans
• Employee Assistance Program

First Citizens Community Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other legally protected status or characteristic.