Remote Commercial Underwriter II: Credit & Structuring Lead

First Citizens; Houston, Austin, Carson City, Santa Fe (TX, TX, NV, NM, OR); Remote; USD 90,000 - 130,000; Full time

Job summary

First Citizens Bank is seeking a Commercial Underwriter II to support the lending team through advanced underwriting, financial analysis, and risk assessment. You will guide loan structuring for new and renewal credits and participate in client calls to address needs and opportunities.

The role emphasizes attention to detail, multitasking, and strong communication across associates and clients, with remote flexibility across specified states.

Qualifications

• Bachelor's Degree or equivalent with 4+ years in Commercial Lending or Credit Analysis.
• Strong knowledge of financial statement spreading and projections.
• Experience with trailing twelve month analysis.
• Excellent written and verbal communication.

Responsibilities

• Underwriting - underwrites commercial credits per regs and guidelines; guides structuring.
• Analysis - compiles financial data to support loan structuring and approvals.
• Risk Management - identifies risks and coordinates review/renewal schedules.
• Business Support - assists cross-sales opportunities and client communications.

Skills

Builds Productive Relationships

Critical Thinking

Effective Judgement

Risk Mitigation

Education

Bachelor's Degree

High School Diploma or GED

Tools

Moody's Credit Lens

Microsoft Excel

Job description

First Citizens Bank is seeking a Commercial Underwriter II to support the lending team through advanced underwriting, financial analysis, and risk assessment. You will guide loan structuring for new and renewal credits and participate in client calls to address needs and opportunities.

The role emphasizes attention to detail, multitasking, and strong communication across associates and clients, with remote flexibility across specified states.