Director Underwriter Portfolio Manager-MMB

First Citizens Bank•Vinings, GA

1d•Hybrid

About The Position

First Citizens Middle Market Banking delivers a range of financial solutions to midsize clients through a relationship banking model. Typical Middle Market Banking clients range from $100 million to $2 billion in revenue. The business offers deposit solutions, loans, treasury services and other banking products to manufacturers, distributors and a wide variety of service industries.

Requirements

Strong middle market finance experience with both privately-held and public companies, through understanding of credit analysis, financial modeling, structuring, guarantor analysis, deal terms and the ability to communicate credit recommendations with senior management.
Deep credit product knowledge ranging from senior secured lending with recourse to owner-occupied real estate, and enterprise value financings.
Completion of a formal credit training program preferred
Management or Supervisory
Detail Oriented
Commercial Credit
Communications both verbal and written
Bachelor's Degree and 8 years' experience OR High School Diploma or GED/Equivalent and 12 years' experience in Credit analysis, underwriting or Risk Management

Nice To Haves

Master's Degree or Bachelor’s degree Business, Finance, Economics
Management or Supervisory experience

Responsibilities

Collaborate with the Head of MMB Underwriting and Portfolio Management, Relationship Managers, and Credit Partners on evaluation assessment of prospective relationship orientated credit opportunities.
Run/coordinate the underwriting process from initial client discussions to closing, including deal vetting, structuring, term sheet issuance, overseeing the preparation of a quality Credit Approval Memo, loan documentation negotiation, approval and closing.
Interface with Borrowers, Agent Banks, and Third Party Intermediaries.
Actively participate in credit approval request meetings with Credit Partners.
Following closing, oversee any post-closing loan modifications, extensions, and ongoing portfolio monitoring including ensuring risk rating accuracy.
Monitors changes in the economy and macroeconomic environment and advises executive management on potential opportunities to enhance shareholder return.
Advises on strategies to ensure risks are properly identified and portfolio composition is aligned with overall Bank balance sheet and appropriate for various economic environments.
Leads an underwriting and portfolio management team and manages the performance, training, and evaluation of assigned staff.
Establishes and monitors team expectations to achieve company and department goals. Makes appropriate changes to team policies, procedures, and efficiencies in order to meet objectives.
Possesses a player-coach mentality and knows how to balance team/individuals empowerment versus direct involvement.