Overview

　　This position 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.

　　This is a hybrid role

　　Responsibilities

　　Underwriting - Underwrites commercial credit actions according to applicable regulations, procedures, and guidelines. Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend borrower risk ratings and appropriate loan structuring. Ensures all involved parties are updated on underwriting progress and outcome. May provide guidance to less experienced underwriters through knowledge of underwriting procedures and information needs.Analysis - Sources, compiles, and interprets financial data to support structuring and approval of loans. Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower. Utilizes results of analysis to underwrite commercial loans.Risk Management - Identifies risks through reviews, analysis, and research of new and existing commercial credit requests and relationships. Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the commercial portfolio. Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management.Business Support - May assist in Identifying cross-sales opportunities for new and existing relationships based on analysis activities. Identifies servicing information and prepares credit analysis documentation. Partners with associates and clients to determine needs and structuring of new requests, renewals, and modifications, participating in client and prospect calls as needed. May assist management with peer development and training.The base pay for this position is relative to your experience but the range is generally $99,900 to $133,200 per year. First Citizens offers a competitive, comprehensive benefits program which you can review here: https://jobs.firstcitizens.com/benefits.

　　Qualifications

　　Bachelor's Degree and 4 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.

　　-OR-

　　High School Diploma or GED and 8 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.

　　Required Qualifications:Experience underwriting C&I, real estate, owner occupied, or medical