Senior Wealth Underwriter

4 weeks ago

Raleigh North Carolina, United States First Citizens Bank Full time
Overview:
The Senior Wealth Underwriter underwrites and evaluates retail credit loan applications from Bank branches at a higher level of complexity. Reviews applications predominantly from real estate secured transactions to determine risk and creditworthiness. Provides guidance to sales associates on loan decisions and structure, ensuring retail credit lending activities comply with federal and state regulations. Assists management with more advanced underwriting initiatives such as loan reconsiderations. May provide leadership to less experienced associates in work group due to knowledge in area of specialization.

 

The role is a hybrid role located in Raleigh, NC or Columbia, SC. 

 

Responsibilities:
Underwrite - Underwrites and evaluates retail credit applications according to applicable regulations, procedures, and guidelines. Reviews financial statements, business balance sheets, and results of analysis to determine risk and creditworthiness. Works extensively with sales associates on underwriting results and individual credit needs.

Analysis - Sources, compiles, and interprets financial data. Conducts detailed cash flow analysis to aid in underwriting efforts, and consults on clients with high loan exposure. Analyzes specific customer situations to determine mutually beneficial credit solutions.

Business Support - Determines customer needs through communication with branch personnel. Addresses complex or escalated inquiries on retail underwriting and retail denial compliance. Assists in determining mutually beneficial credit solutions for clients and the Bank.

Loan Proficiency - Acts as a resource through advanced knowledge of underwriting processes, requirements, and daily activities. Possesses detailed knowledge of appraisal requirements. Serves as backup on loan reconsiderations and may assist management with related initiatives.

Qualifications:
Bachelor's Degree and 4 years of experience in Consumer Credit Underwriting with specialty in Real Estate Secured loan types

OR

High School Diploma or GED and 8 years of experience in Consumer Credit Underwriting with specialty in Real Estate Secured loan types

 

Required Qualifications:

Consumer Underwriting experience with specialty in Real Estate Secured loan types  

Strong understanding of financial principles and concepts

Comprehensive knowledge of financial documentation including tax returns and prepared financial statements

Excellent verbal and written communication skills

Strong analytical skills with high attention to detail

Solid decision making and problem-solving skills

Time management skills and ability to handle multiple loan assignments

Extensive experience in credit analysis required, with exposure to securities based lending and high net worth lending

Preferred Qualifications:

Experience underwriting in a fast paced, high volume environment

Proficient in Microsoft Excel, Team, and Word 

 

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