[Hiring] Commercial Underwriter II @First Citizens Bank

Role Description

This is a remote role and may be hired in AZ, KA, OR, NM, NV, or TX. The Commercial Underwriter II supports the commercial lending team by underwriting at an advanced level of complexity for commercial portfolios. Provides guidance to structuring, servicing, and analysis for both new and renewal credits. Identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assesses and communicates risks to assist department risk mitigation strategies. Provides service and support for both associates and clients, participating in client calls, and may assist in identifying cross-sales opportunities. May assist special projects as needed to facilitate commercial lending activities and service capabilities, and may provide direction to less experienced underwriters in the work group.

Qualifications

• Minimum Required Education and Experience: Bachelor's Degree and 4 years' experience OR High School Diploma or GED/Equivalent and 8 years' experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.
• Preferred Qualifications:
• 6-8 years of experience in commercial underwriting in C&I, Medical
• Experience with credit relationships 5 million and above
• Microsoft Excel competency required
• Strong written and verbal communication skills required
• The ideal candidate will possess exceptional attention to detail, strong time management skills, and the ability to successfully balance and prioritize multiple tasks while maintaining accuracy and meeting deadlines.

Requirements

• Underwriting - Underwrites commercial credit actions according to applicable regulations, procedures, and guidelines.
• Analysis - Sources, compiles, and interprets financial data to support structuring and approval of loans.
• Risk Management - Identifies risks through reviews, analysis, and research of new and existing commercial credit requests and relationships.
• Business Support - May assist in identifying cross-sales opportunities for new and existing relationships based on analysis activities.

Benefits

• Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates.
• More information can be found at https://jobs.firstcitizens.com/benefits .