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About the Role

This role leads underwriting efforts for Healthcare portfolios, providing expertise in structuring, analysis, and credit documentation. It supports the lending team by establishing repayment viability, preparing credit approval memos, and assessing risks. The position also offers guidance on complex underwriting matters and may lead special projects or less experienced underwriters.

Responsibilities

• Leads the underwriting of Healthcare credit actions according to applicable regulations, procedures, and guidelines.
• Interacts directly with customers to gather information and determine repayment viability.
• 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.
• 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 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.
• OR 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.

Skills

• Commercial Lending
• Credit Analysis
• Financial statement spreading
• Preparation of projections
• Trailing twelve month analysis
• Healthcare lending/financing

Location

• NY
• NJ
• FL
• MA
• IL
• Remote

Work Type

• Remote
• Full-time

Experience Level

• 6 years of experience
• 10 years of experience

Education Level

• Bachelor's Degree
• High School Diploma or GED
• MBA degree or equivalent preferred

Salary/Compensations

• $140,000.00 - $150,000.00 (Florida)
• $150,000.00 - $160,000.00 (Illinois)
• $160,000.00 - $165,000.00 (New Jersey or Massachusetts)
• $170,000.00 - $175,000.00 (New York)

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.