Impress employers and recruiters.
Choose from hundreds of resume examples.
Impress employers and recruiters.
Choose from hundreds of resume examples.
Tailor your resume to this Commercial Underwriter II role.
Rezi rewrites your resume against First Citizens Bank's job description. Free.
Tailor your resume to this Commercial Underwriter II role.
Rezi rewrites your resume against First Citizens Bank's job description. Free.
Don't guess if your resume is good enough.
See how it scores against the Commercial Underwriter II posting at First Citizens Bank — free, in seconds.
Don't guess if your resume is good enough.
See how it scores against the Commercial Underwriter II posting at First Citizens Bank — free, in seconds.
About the Role
The Commercial Underwriter II supports the commercial lending team by underwriting complex commercial portfolios. This role provides guidance on structuring, servicing, and analysis for new and renewal credits, identifies borrower risk ratings, and assesses risks for mitigation strategies. The position also offers client support, may identify cross-sales opportunities, and assists with special projects, potentially directing less experienced underwriters.
Responsibilities
- Underwrites commercial credit actions 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.
- May provide guidance to less experienced underwriters through knowledge of underwriting procedures and information needs.
- 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 commercial loans.
- Identifies risks through reviews, analysis, and research of new and existing commercial credit requests and relationships.
- Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the commercial portfolio.
- Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management.
- 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 clients to determine needs and structuring of new requests, renewals, and modifications, participating in client and prospect calls as needed.
- May assist management with peer development and training.
Requirements
- Bachelor's Degree and 4 years' experience OR High School Diploma or GED/Equivalent and 8 years' experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.
- Experience with credit relationships 5 million and above
- Microsoft Excel competency required
- Strong written and verbal communication skills required
- Exceptional attention to detail
- Strong time management skills
- Ability to successfully balance and prioritize multiple tasks while maintaining accuracy and meeting deadlines.
Skills
- Builds Productive Relationships
- Critical Thinking Skills
- Effective Judgement
- Risk Mitigation
Location
- Remote
- AZ
- KA
- OR
- NM
- NV
- TX
Work Type
- Remote
- Full-time
Experience Level
- 4 years' experience
- 8 years' experience
- 6-8 years of experience in commercial underwriting in C&I, Medical
Education Level
- Bachelor's Degree
- High School Diploma or GED/Equivalent
Benefits
- Competitive, thoughtfully designed and quality benefits program to meet the needs of our associates.