Commercial Lending Specialist II

7 days ago


Fayetteville, North Carolina, United States First Citizens Bank Full time
Job Overview

This is a hybrid role that requires regular time spent working both in and out of the office. The Commercial Underwriter II will be based in Fayetteville, Wilmington, or Raleigh, NC.

Role Description

The Commercial Underwriter II supports the General Bank's commercial lending team by underwriting complex commercial portfolios at an advanced level. This involves providing guidance on structuring, servicing, and analysis for new and renewal credits. The role requires identifying, gathering, and reviewing financial information to determine borrower risk ratings and appropriate loan structuring. It also involves assessing and communicating risks to assist in department risk mitigation strategies. Additionally, the Commercial Underwriter II provides service and support to associates and clients, participating in client calls, and may identify cross-sales opportunities.

Responsibilities
  • Underwriting: Reviewing financial statements, communicating with clients or prospects, and performing analysis to recommend borrower risk ratings and appropriate loan structuring.
  • Analysis: Sourcing, compiling, and interpreting financial data to support structuring and approval of loans.
  • Risk Management: Identifying risks through reviews, analysis, and research of new and existing commercial credit requests and relationships.
  • Business Support: Assisting in identifying cross-sales opportunities for new and existing relationships based on analysis activities.
Qualifications

Bachelor's Degree and 4 years of experience in Commercial Underwriting, Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis. Alternatively, High School Diploma or GED and 8 years of experience in Commercial Underwriting with similar qualifications.

Preferred Qualifications
  • Experience with credit relationships of $5 million and above.
  • Leadership experience in special projects to facilitate commercial lending activities and service capabilities.
  • Microsoft Excel competency required.
Compensation

$93,000 - $140,000 per year, depending on experience. First Citizens benefits programs are designed to meet our associates where they are in life, offering a comprehensive benefits package, including customized offerings to support families, however defined.



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