First Citizens Bank (www.fcb.com)
Full Time Employee
Commercial Underwriter II
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Job ID #: 26308
Functional Area: Credit Administration
Employment Type: Full-Time Exempt
Education Required: See basic qualifications
Experience Required: See basic qualifications
Days and Hours: M-F
Physical Address: 3300 Cumberland Blvd Atlanta GA 30339
Department Name: Credit Administration
To provide support to commercial specialty lending teams. Provide expertise in underwriting, structuring, servicing and documenting new and renewal credits. Responsible for identifying, gathering and analyzing relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures. Act as lead underwriter in collaboration with bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate well-reasoned analysis. Perform servicing reviews and support the management of the assigned portfolio to identify and minimize risk to the Bank. Provide quality customer service, including participation in joint calls on customers, as needed. 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.
Bachelor degree with a minimum of 6 years commercial lending or credit analysis experience.
High school diploma or GED with a minimum of 10 years commercial lending or credit analysis experience.
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
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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