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About the Role

The VP, Underwriter – Healthcare leads underwriting efforts for Healthcare portfolios, providing expertise in structuring, analysis, and credit documentation. This role establishes repayment viability, prepares credit approval memos, and assesses risks to support department mitigation strategies. The position also offers guidance on complex underwriting matters, leads special projects, and may mentor less experienced underwriters.

Responsibilities

Leads the underwriting of Healthcare credit actions according to applicable regulations, procedures, credit standards and guidelines.
Interacts directly with customers to gather information throughout the approval process and to determine the viability of repayment.
Reviews financial statements, communicates with customers or prospects, and performs analysis to recommend credit grades, covenants, and appropriate loan structuring.
Ensures all involved parties are updated on underwriting progress and outcome.
Provides leadership in daily activities through underwriting production and credit analysis expertise.
Identifies risks through reviews, analysis, and research of new and existing Healthcare loans.
Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the Healthcare portfolio and sector.
Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management.
May assist in the development of strategies to manage risk within the credit portfolio.
Sources, compiles, and interprets financial data / operating metrics to support structuring and approval of loans.
Reviews industry information and comparisons, key risks and mitigants, and collaterals to form a general business overview of the borrower.
Utilizes results of analysis to underwrite complex loans.
May assist in identifying cross-sales opportunities for new and existing relationships based on analysis activities.
Identifies servicing information and prepares credit analysis documentation.
Partners with associates and customers to determine needs and structuring of new requests, participating in customer and prospect calls as needed.
Assists management with peer development and training.

Requirements

Bachelor's Degree and 6 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.
High School Diploma or GED and 10 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.
2 years of experience with assessing Senior Housing (including new construction) and Skilled Nursing transactions

Skills

Commercial Lending
Credit Analysis
Financial statement spreading
Preparation of projections
Trailing twelve month analysis
Senior Housing assessment
Skilled Nursing transactions assessment

Location

Work Type

Hybrid

Experience Level

6 years
10 years
2 years

Education Level

Bachelor's Degree
High School Diploma or GED

Salary/Compensations

$150,000.00 - $175,000.00
$140,000.00 - $160,000.00

Benefits

Competitive, thoughtfully designed and quality benefits program

About the Company

First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates.