Hybrid VP: Senior Underwriter & Middle Market Portfolio

First Citizens Bank; Raleigh (NC); Hybrid; USD 120,000 - 190,000; Full time

Job summary

First Citizens Bank is seeking a VP, Senior Underwriter Portfolio Manager for Middle Market Banking in a hybrid role based in Raleigh. You will lead underwriting from client discussions to closing, structure loans, prepare credit memos, and manage post-closing portfolio risk while collaborating with Relationship Managers and Credit Partners.

The position emphasizes strong credit analysis, financial modeling, and communication with senior management to align portfolio strategy with bank risk

Qualifications

• Strong middle market finance experience with credit analysis, modeling, structuring and risk management.
• Deep credit product knowledge across lending types including owner-occupied real estate.
• Collaborate with underwriting and portfolio teams to evaluate opportunities and prepare credit memos.

Responsibilities

• Lead underwriting from discussion to closing, including structuring and term sheet issuance.
• Interface with borrowers and intermediaries and participate in credit approval meetings.
• Oversee post-closing portfolio monitoring and risk rating accuracy.

Skills

Credit analysis

Financial modeling

Deal structuring

Risk management

Communication

Education

Bachelor's Degree

High School Diploma or GED

Tools

Credit training program

Job description

First Citizens Bank is seeking a VP, Senior Underwriter Portfolio Manager for Middle Market Banking in a hybrid role based in Raleigh. You will lead underwriting from client discussions to closing, structure loans, prepare credit memos, and manage post-closing portfolio risk while collaborating with Relationship Managers and Credit Partners.

The position emphasizes strong credit analysis, financial modeling, and communication with senior management to align portfolio strategy with bank risk