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First Citizens Bank

Commercial Underwriter II

Position Description:
This position will provide support to commercial lending teams. Provide expertise in underwriting, structuring, servicing and documenting new and renewal credits. Responsible for identifying, gathering and analyzing relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures. Act as lead underwriter in collaboration with bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate well-reasoned analysis. Perform servicing reviews and support management of the assigned portfolio to identify and minimize risk to the Bank. Provide quality customer service, including participation in joint calls on customers, as needed. Assist in special projects as assigned.

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Position Requirements:
Basic Qualifications:
Bachelor degree with 6 years commercial lending or credit analysis experience.
-Or-
High school diploma or GED with 10 years commercial lending or credit analysis experience.

Additional Requirements:
Strong PC, software and financial analysis skills
Ability to thoroughly analyze complex credits on an independent basis
Excellent knowledge of financial accounting, loan structuring, commercial products and services, loan documentation requirements, legal issues, credit grades, credit processes, etc. to support larger and more complex credit requests
Excellent written and oral communications skills
Ability to properly assess issues related to a credit request and present them clearly and accurately
Ability to collaborate across multiple functional areas (e.g. credit, banker, credit risk, audit) and Regions
Ability to excel in a team environment
Ability to prioritize and manage multiple tasks concurrently
Ability to travel if needed

Job ID: FCB-30628
Employment Type: Other

Perks and Benefits

  • Health and Wellness

    • Health Insurance
    • Dental Insurance
    • Vision Insurance
    • Life Insurance
    • Short-Term Disability
    • Long-Term Disability
    • FSA
    • HSA
    • HSA With Employer Contribution
    • Fitness Subsidies
    • Mental Health Benefits
    • Virtual Fitness Classes
  • Parental Benefits

    • Family Support Resources
    • Non-Birth Parent or Paternity Leave
    • Birth Parent or Maternity Leave
    • Adoption Leave
    • Fertility Benefits
  • Office Life and Perks

    • Commuter Benefits Program
  • Vacation and Time Off

    • Paid Vacation
    • Paid Holidays
    • Volunteer Time Off
    • Leave of Absence
  • Financial and Retirement

    • 401(K)
    • 401(K) With Company Matching
    • Financial Counseling
    • Profit Sharing
  • Professional Development

    • Access to Online Courses
    • Internship Program
    • Leadership Training Program
    • Promote From Within
  • Diversity and Inclusion

    • Diversity, Equity, and Inclusion Program
    • Employee Resource Groups (ERG)

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