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Commercial Underwriter
First Citizens Bank
Charlotte, NC, United States
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The Commercial Underwriter II will provide commercial real estate underwriting support to commercial lending teams across First Citizen Bank’s platform. A strong candidate will have experience in structuring and analyzing CRE loans in excess of $2 million dollars, as well as knowledge of business cash flows and the ability to calculate cash flows for complex CRE developments and sponsors. First Citizens Bank Commercial Underwriters provide expertise in underwriting, structuring, and servicing new and renewal credits for a diverse portfolio, encompassing multiple national markets to include primary, secondary, and tertiary markets. The CU II will be responsible for identifying, gathering and analyzing relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures. Additionally, the CU II will be responsible for researching and assessing commercial real estate trends that are vital to assessing market and lending risk. It will be crucial to partner with relationship managers and customers to structure and underwrite new loan requests. This associate will collaborate with bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate well-reasoned analysis. The CU II will perform servicing reviews and support management of the assigned portfolio to identify and minimize risk to the Bank. Also, this associate will provide quality customer service, including participation in joint calls on customers, as needed and assist in special projects as assigned.
Position Requirements:
Bachelor degree with a minimum of 4 years lending/credit experience.
-OR-
High school diploma or GED with a minimum of 8 years lending/credit experience.
Additional Requirements:
Strong PC, software and financial analysis skills
Ability to thoroughly analyze complex credits on an independent basis
Strong 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
Preferred Skills:
Expertise in Commercial Real Estate credit underwriting
Strong 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