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About the Role

As an Underwriter Portfolio Manager IV, this is an opportunity to work within a small and growing group for a top 20 Bank, with significant advancement opportunities both in the department and other functional areas of First Citizen’s Commercial Bank. Work within a team construct to perform credit underwriting and portfolio management across diverse debt solutions for private equity backed middle-market transactions.

Responsibilities

Underwrites Sponsor accounts according to applicable regulations, procedures, and guidelines.
Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend borrower risk ratings and appropriate loan structuring.
Ensures all involved parties are updated on underwriting progress and outcome.
Provides guidance to less experienced underwriters through knowledge of underwriting procedures and information needs.
Manages assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues and following through for remediation.
Responsible for risk rating integrity, annual reviews as well as financial statement spreading, compliance and regulatory review.
Manages all amendment and waivers in the assigned portfolio.
Maintains ongoing communication and contact with assigned loan clients.
Fortifies relationships and monitors client satisfaction.
Sources, compiles, and interprets financial data to support structuring and approval of loans.
Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower.
Utilizes results of analysis to underwrite loans.
Identifies risks through reviews, analysis, and research of new and existing loans.
Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the portfolio.
Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management.

Requirements

Bachelor's Degree and 4 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 8 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.
Ability to function both independently and as part of a deal team
Strong writing, communication and presentation skills
Time management skills to efficiently handle multiple tasks with changing priorities.
Demonstrated ability to anticipate and solve problems, then take initiative to drive processes forward and make recommendations

Skills

Commercial Lending
Credit Analysis
Financial statement spreading
Preparation of projections
Trailing twelve month analysis
Underwriting
Portfolio Management
Client Service
Risk Management
Business
Economics
Finance
Commercial/Leveraged lending
Credit training
Microsoft Excel
Financial models
Credit
Structuring
Legal
Collateral requirements
Analytical
Quantitative
Problem-solving

Location

Raleigh, NC

Work Type

Hybrid

Experience Level

4 years
8 years

Education Level

Bachelor's Degree
High School Diploma or GED
Bachelor’s degree in business, Economics, Finance
Completion of a formal credit training program

Salary/Compensations

$130,000 - $140,000

Benefits

Competitive, thoughtfully designed and quality benefits program

About the Company

First Citizens offers 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 $230 billion in assets.
First Citizens Sponsor Finance provides cash flow senior debt for private equity-backed transactions in the middle market and lower middle market throughout the United States.