Senior Commercial Real Estate Underwriter

First Citizens Bank • Charlotte, NC

127d • Remote

About The Position

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.

Requirements

• 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
• 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

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.

Benefits

• Competitive, thoughtfully designed and quality benefits program

What This Job Offers

• Career Level: Senior
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree