First Citizens Bank (www.fcb.com)
Full Time Employee
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Job ID #: 27066
Functional Area: Credit Administration
Employment Type: Full-Time Exempt
Education Required: GED
Experience Required: 8 years
Days and Hours: Monday - Friday
Physical Address: 455 Capital Mall, Sacramento, CA
Department Name: Plus Credit Adm
The Commercial Underwriter will provide support to commercial lending teams. This associate will provide expertise in underwriting, structuring, servicing and documenting new and renewal credits. The Underwriter 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 is expected to perform servicing reviews and support management of the assigned portfolio to identify and minimize risk to the Bank. They will provide quality customer service, including participation in joint calls on customers, as needed. Also, the Underwriter can be asked to assist in special projects as assigned.
This role can be seated in either Sacramento, CA - Seattle, WA - or Denver, CO
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.
Bachelor degree with a minimum of 4 years lending/credit experience.
High school diploma or GED with a minimum of 8 years lending/credit experience.
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
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
Commercial Credit Underwriting experience
We are an Equal Opportunity Employer and do not discriminate against applicants due race, color, religion, national origin, sex, age, disability, veteran status, sexual orientation, gender identity, or other legally protected status.
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