Commercial Underwriter II - Charlotte, NC

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Date :
12-22-2017
Location :
Charlotte, NC US
Job ID :
29588
Functional Area :
Credit Administration
Employment Type :
Full-Time Exempt
Education :
See basic qualifications
Experience :
See basic qualifications
Days and Hours :
M-F
Physical Address :
128 S Tryon St, Charlotte NC
Department Name :
Commercial Credit
Position Description :
Position Description:
The role of the Commercial Underwriter II is to provide support to commercial lending teams. The UW will provide expertise in underwriting, structuring, servicing and documenting new and renewal credits.  This associate is responsible for identifying, gathering and analyzing relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures. They will act as lead underwriter in collaboration with bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate well-reasoned analysis. The Com UW II will perform servicing reviews and support management of the assigned portfolio to identify and minimize risk to the Bank. He/She will provide quality customer service, including participation in joint calls on customers, as needed. Also, they will assist in special projects as assigned.

First Citizens Bank is one of the top financial services providers in the nation, recognized and awarded for our customer satisfaction, sustainable profitability, and overall stability and security. Our associates make First Citizens Bank a great place for our clients to do business. Those who grow, achieve and succeed with First Citizens Bank are those who share our core values of integrity, service excellence and stability.



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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
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