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About the Role

Silicon Valley Bank (SVB), a division of First-Citizens Bank, is seeking a candidate to join the Corporate Banking Credit Solutions (CBCS) team. This team focuses on late-stage companies within SVB’s portfolio, structuring, underwriting, executing, and negotiating transactions. The role involves managing the debt process from introduction to closing, conducting due diligence, creating credit memorandums, and presenting new opportunities to approvers. The ideal candidate will execute transactions with assistance and limited guidance, providing creative late-stage and leveraged capital solutions to technology sector clients.

Responsibilities

Manage corporate and leveraged transaction processes from new opportunity introduction to loan closing.
Review target company provided/publicly available materials, including historical financials, management presentations, CIMs, and 3rd party materials.
Assist associates with generating diligence request lists while identifying gaps in provided information.
Create credit memorandums to drive credit approval for new opportunities.
Review financial models from associates to ensure accuracy with company projections.
Present new opportunities to loan approvers.
Prepare loan packages for approvals, including utilization of existing bank systems.
Lead document negotiation.
Generate recommendations to Directors/MDs using analysis and independent judgment.
Drive coordination and execution with Syndications and Relationship Management partners.
Act as primary lending liaison for portfolio companies.
Ensure timely and accurate reporting from portfolio companies with associates.
Manage amendment/waiver processes for portfolio companies.
Coordinate with RM partners to develop materials for evaluating, pitching, and executing debt opportunities.
Participate on diligence calls with prospects and portfolio companies, taking notes on material updates and opportunities.
Mentor associate staff.
Utilize moderate decision making and independent judgment in negotiations and relationship building.
Influence and drive decisions.
Exercise judgment and authority prudently and with proper balance for the best interests of clients and SVB.
Recommend structuring and underwriting points on new opportunities.
Make decisions related to portfolio and risk management of the existing portfolio with guidance from senior team members.

Requirements

Bachelor's Degree and 4 years of experience in Commercial banking, Credit Underwriting or Analysis, or Relationship Management and/or industry-specific knowledge in technology or healthcare sectors OR High School Diploma or GED and 8 years of experience in Commercial banking, Credit Underwriting or Analysis, or Relationship Management and/or industry-specific knowledge in technology or healthcare sectors.
8+ years of experience in either a leveraged finance, investment banking, or technology commercial banking/finance role.
Bachelor’s or equivalent required.
Moderate travel is expected for this position; events, trainings, or bank meetings may require offsite work.

Skills

Highly proficient at researching information and gathering pertinent items to identify trends / anomalies.
Extremely adept at understanding and interpreting requests.
Strong understanding of financial accounting with financial modeling experience.
Strong organization and attention to details ensuring all documentation is complete and accurate.
Proven ability / highly skilled at developing strong positive relationships with external clients / internal partners.
Excellent communication skills capable of explaining information in a clear and concise manner and adapting delivery depending on the audience and influencing decisions in the best interest of the client.
Professional, thorough, and organized with strong follow-up skills.
Excels in a team environment and proactively collaborates and acts as a leader with others to serve clients.
Demonstrates initiative, a commitment to continuous learning, and the ability to adapt to changing demands and requirements.
Responds positively and quickly to constructive feedback.
Intuitiveness
Analytical Ability/Fluency with Numbers
Critical thinking
Time management
Prioritization
Driven/Self-Motivated
Collaborative
Accountability
Advanced late stage lending & leveraged finance knowledge
Negotiating experience
Marketing skills with an ability to build and close new relationships with minimal assistance.

Location

Hybrid

Work Type

Hybrid

Experience Level

4 years of experience in Commercial banking, Credit Underwriting or Analysis, or Relationship Management and/or industry-specific knowledge in technology or healthcare sectors
8 years of experience in Commercial banking, Credit Underwriting or Analysis, or Relationship Management and/or industry-specific knowledge in technology or healthcare sectors
8+ years of experience in either a leveraged finance, investment banking, or technology commercial banking/finance role

Education Level

Bachelor's Degree
High School Diploma or GED
Bachelor’s or equivalent
MBA or CFA preferred but not required
Finance, Economics, Business Administration, or related field
Technology or healthcare sector experience
Leadership experience
Advanced financial modeling skills

Salary/Compensations

$166,875 - $222,500 per year
Eligible for variable compensation, which may be in the form of incentive, bonus, or commission pay.

Benefits

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

About the Company

Together, Silicon Valley Bank and First Citizens offer you the strength and stability of a diversified financial institution with a 125-year tradition of service and the personalized approach of a nimble financial partner.
First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of more than 550 branches in 23 states and commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $200 billion in assets.
Silicon Valley Bank (SVB), a division of First-Citizens Bank, is the bank of some of the world’s most innovative companies and investors. SVB provides commercial and private banking to individuals and companies in the technology, life science and healthcare, private equity, venture capital and premium wine industries. SVB operates in centers of innovation throughout the United States, serving the unique needs of its dynamic clients with deep sector expertise, insights and connections. Learn more at svb.com.