Commercial Underwriter II

First Citizens Bank•Santa Fe, Texas

3d•Remote

About The Position

The Commercial Underwriter II supports the commercial lending team by underwriting commercial portfolios at an advanced level of complexity. The role provides guidance on structuring, servicing, and analysis for new and renewal credits. It identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structures, assesses and communicates risks to support risk mitigation strategies, and provides service to associates and clients. The position may participate in client calls, help identify cross-sales opportunities, assist with special projects, and provide direction to less experienced underwriters.

Requirements

Bachelor’s degree and 4 years of experience, or a high school diploma or GED/equivalent and 8 years of experience in commercial lending or credit analysis.
Experience with financial statement spreading, preparation of projections, and trailing twelve-month analysis.
Microsoft Excel competency.
Strong written and verbal communication skills.
Exceptional attention to detail, strong time management, and the ability to prioritize multiple tasks while maintaining accuracy and meeting deadlines.
Position-specific skills: building productive relationships, critical thinking, effective judgment, and risk mitigation.

Nice To Haves

6–8 years of experience in commercial underwriting in C&I or Medical.
Experience with credit relationships of $5 million and above.

Responsibilities

Underwrite commercial credit actions in accordance with applicable regulations, procedures, and guidelines.
Review financial statements, communicate with clients or prospects, and analyze credit information to recommend borrower risk ratings and appropriate loan structures.
Keep involved parties updated on underwriting progress and outcomes.
Provide guidance to less experienced underwriters on underwriting procedures and information needs.
Source, compile, and interpret financial data to support loan structuring and approval.
Review industry information and comparisons, key risks and mitigants, and collateral to develop an overview of the borrower’s business.
Identify risks through review, analysis, and research of new and existing commercial credit requests and relationships.
Work with Bank associates and partners to resolve risk issues and communicate review schedules and potential changes in the commercial portfolio.
Assist with coordinating review and renewal schedules for existing credits to facilitate ongoing risk identification and management.
Identify potential cross-sales opportunities for new and existing relationships based on analysis activities.
Identify servicing information and prepare credit analysis documentation.
Partner with associates and clients to determine needs and structure new requests, renewals, and modifications; participate in client and prospect calls as needed.
Assist management with peer development and training.
Assist with special projects as needed to facilitate commercial lending activities and service capabilities.