Underwriter Portfolio Manager II-Sponsor

Responsibilities

• Prepare cash flow models, conduct independent industry research, assist in the underwriting of credits, and manage accounts post close
• Specific new business underwriting duties include: i) financial modeling; ii) independent industry research; iii) compiling and presenting approval requests; iv) preparing and negotiating legal documents; v) funding and closing transactions
• Specific portfolio management duties include: i) preparing waiver and amendment requests or underwriting add-on opportunities; ii) monitoring individual accounts for performance trends to ensure accurate and timely risk ratings; and iii) maintaining credit files in preparation for internal or external audits
• Ensure compliance with all FCB policies and procedures
• Firm understanding of FCB systems and resources
• Risk Management - Identifies risks through periodic reviews, analysis, and research of new and existing loans. Communicates identified risks, financial performance and credit agreement compliance, and potential changes in the portfolio. Identifies emerging credit problems and industry trends. Adheres to all external regulations and internal policies and procedures ensuring compliance

Qualifications

• Bachelor's Degree and 1 years of experience in Credit analysis, underwriting or Risk Management OR High School Diploma or GED and 5 years of experience in Credit analysis, underwriting or Risk Management
• Preferred Skills: Bachelor’s degree in Business, Economics, Finance, Finance / Banking experience, 1 plus years experience in commercial underwriting / leverage finance, Strong analytical skills and underwriting knowledge in commercial lending or related financial environment, Demonstrated quantitative skills with attention to detail, Excellent oral and written communications skills, Time management skills to efficiently handle multiple tasks with changing priorities, Demonstrated ability to anticipate and problem solve to then take initiative to drive processes forward and make recommendations, Detailed knowledge of Microsoft Office Applications, Attention to detail and ability to solve problems, Completion of a formal credit training program, Ability to function both independently and as part of a deal team

Benefits

The base pay for this position is generally between $90,000.00 and $105,000.00. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

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.