Remote Advanced Commercial Underwriter II

First Citizens Bank; Kansas; Remote; USD 85,000 - 110,000; Full time

Job summary

First Citizens Bank is seeking a Commercial Underwriter II to support the lending team by underwriting complex commercial credit cases. The role offers remote work with hiring in designated states, and involves reviewing financial statements, structuring loans, and guiding risk mitigation while coordinating with clients and colleagues.

You will participate in calls, identify cross-sales opportunities, and mentor less experienced underwriters as part of a collaborative risk-management culture.

Qualifications

• Bachelor's Degree and 4 years' experience in Commercial Lending or Credit Analysis.
• HS Diploma or GED/Equivalent and 8 years' experience in Commercial Lending or Credit Analysis.
• Proficient in financial statement spreading and projections.
• Strong written and verbal communication skills.

Responsibilities

• Underwrites commercial credit actions per regulations and guidelines; reviews financial statements and determines borrower risk ratings.
• Analyzes financial data, industry info, risks and collateral to support loan structuring and approvals.
• Identifies and mitigates risks; coordinates with bank associates to resolve issues and update progress.
• Supports cross-sales opportunities and client calls; may mentor less experienced underwriters.

Skills

Productive relationships

Critical thinking

Effective judgement

Risk mitigation

Education

Bachelor's degree + 4 years

HS diploma or GED + 8 years

Tools

Microsoft Excel

Moody's Credit Lens

Job description

First Citizens Bank is seeking a Commercial Underwriter II to support the lending team by underwriting complex commercial credit cases. The role offers remote work with hiring in designated states, and involves reviewing financial statements, structuring loans, and guiding risk mitigation while coordinating with clients and colleagues.

You will participate in calls, identify cross-sales opportunities, and mentor less experienced underwriters as part of a collaborative risk-management culture.