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About the Role

The VP, Senior Underwriter Energy/Renewables Project Finance leads underwriting efforts for Energy 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. It also offers customer support and guidance on complex underwriting matters, leading special projects and potentially mentoring less experienced underwriters.

Responsibilities

Leads the underwriting of Energy 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 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 Energy loans.
Works closely with Bank associates and partners to resolve risk issues, communicating review schedules and potential changes in the Energy 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.
Identifies servicing information and prepares credit analysis documentation.
Partners with associates and customers to determine needs and structuring of new requests.
Participates 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, Management
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, Management
Renewable Energy experience
Experience and/or desire to train less experienced associates
Professional business experience
Desire to learn from management and experienced colleagues
Project finance experience
Distributed Generation experience to include community solar
US renewable project finance experience
Tax equity experience
Commercial Finance experience
Excel and modeling experience

Skills

Commercial Lending
Credit Analysis
Financial Statement Spreading
Preparation of Projections
Trailing Twelve-Month Analysis
Management
Renewable Energy
Project finance
Distributed Generation
Community solar
US renewable project finance
Tax equity
Commercial Finance
Excel
Modeling

Location

New York City, New York
Santa Monica, California

Work Type

Hybrid
Full-time

Experience Level

6 years of experience
10 years of experience

Education Level

Bachelor's Degree
High School Diploma or GED

Salary/Compensations

$170,000.00 - $200,000.00

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.