Senior Commercial Real Estate Underwriter

Overview

This is a remote role that may only be hired in the following locations : Florida, Georgia, North Carolina, South Carolina, or Virginia.

The Senior Commercial Real Estate Underwriter leads underwriting efforts by servicing commercial portfolios at the highest level of ability and complexity. Supports the commercial lending team with expertise in structuring, analysis, and credit documentation for commercial credit actions. Establishes viability of repayment sources and prepares credit approval memos. Identifies, gathers, and reviews financial information to determine credit grades and appropriate loan structuring. Assesses and communicates risks to assist department risk mitigation strategies. Provides service and support for both associates and customers, assisting in customer calls and may assist in identifying cross-sales opportunities. Offers guidance on escalated or difficult underwriting matters. Leads special projects as needed to facilitate commercial lending activities and service capabilities, and may act in a leadership role to less experienced underwriters in the work group.

Responsibilities

Job Responsibilities :

Underwrite commercial real estate loans for a diverse lending team across all markets in the Bank’s national footprint.

Loan portfolio to include the primary asset types such as office, retail, industrial, and multi-family as well as more specialized asset classes inclusive of but not limited to self-storage, hotel, restaurants, and single-family rental properties.

Contributes to the commercial real estate lending team culture to ensure it is consistent with the mission, vision, and values of First Citizen’s Bank.

Qualifications

Bachelor's Degree and 6 years of experience in Commercial Credit Analysis, Lending, or Underwriting, Financial Statement Spreading, Preparation of Projections, and Trailing Twelve Month Analysis

OR

High School Diploma or GED and 10 years of experience in Commercial Credit Analysis, Lending, or Underwriting, Financial Statement Spreading, Preparation of Projections, and Trailing Twelve Month Analysis

Additional Qualifications :

4 years working with Commercial Real Estate required; 6 years working in Commercial Real Estate preferred.

Microsoft Excel competency required

Strong written and verbal communication skills required

Experience working with credit exposure 5 million and above preferred

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.

Company Description :

Founded in 1898 and headquartered in Raleigh, N.C., First Citizens Bank serves customers in 18 states and the District of Columbia. For over 100 years, customers have trusted First Citizens with their money … and their futures. Today, First Citizens is the largest family-controlled bank in the nation and the sixth-largest bank franchise headquartered in the Southeast with more than $30 billion in assets. We employ more than 6,000 associates who are focused on helping our customers achieve a lifetime of success. First Citizens operates more than 570 branches in Arizona, California, Colorado, District of Columbia, Florida, Georgia, Kansas, Maryland, New Mexico, Missouri, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington and West Virginia.

First Citizens Bank. Forever First®. Member FDIC.

Equal Opportunity / Affirmative Action Employer / Minority / Female / Disability / Veteran

If you need special assistance or an accommodation in applying for employment at First Citizens Bank, please contact our Human Resources department.