Remote Commercial Underwriter II: Risk & Structuring

First Citizens Bank; Houston (TX); À distance; USD 90 000 - 120 000; Plein temps

Résumé du poste

First Citizens Bank is hiring a Commercial Underwriter II for a remote role that can be filled in AZ, KA, OR, NM, NV, or TX. You will underwrite complex commercial credits, analyze financial data, and guide loan structuring while supporting risk mitigation and cross-team collaboration.

The role involves reviewing borrower information, communicating with clients, and potentially guiding less experienced underwriters. Strong Excel skills and Moody's Credit Lens experience are preferred.

Qualifications

• Bachelor's Degree plus 4 years' Commercial Lending or Credit Analysis experience, or a High School Diploma/GED plus 8 years' equivalent experience.
• Experience with financial statement spreading, projections, and trailing twelve month analysis.
• Strong written and verbal communication skills.
• Experience with credit relationships of $5M+.

Responsabilités

• Underwrites commercial credit actions per regulations, procedures, and guidelines; reviews financial statements and performs analysis to recommend borrower risk ratings and loan structuring.
• Sources, compiles, and interprets financial data to support structuring and approval of loans; assesses risks and collateral.
• Identifies and mitigates risks; coordinates with associates and clients to determine needs and structuring of new, renewals, and modifications.
• May assist in cross-sales opportunities and provide direction to less experienced underwriters.

Connaissances

Relationship building

Critical Thinking

Judgement

Risk Mitigation

Formation

Bachelor's Degree

High School Diploma

Outils

Microsoft Excel

Moody's Credit Lens

Description du poste

First Citizens Bank is hiring a Commercial Underwriter II for a remote role that can be filled in AZ, KA, OR, NM, NV, or TX. You will underwrite complex commercial credits, analyze financial data, and guide loan structuring while supporting risk mitigation and cross-team collaboration.

The role involves reviewing borrower information, communicating with clients, and potentially guiding less experienced underwriters. Strong Excel skills and Moody's Credit Lens experience are preferred.