Senior Underwriter & Portfolio Leader - Middle Market

First Citizens Bank; Charlotte (NC); Hybrid; USD 130,000 - 190,000; Full time

Benefits offered by this job

Benefits package

Job summary

First Citizens Bank is seeking a VP, Sr Underwriter Portfolio Manager for Middle Market Banking in a hybrid role with regular office presence in Charlotte, NC. You will lead underwriting, structure deals, and manage post‑closing portfolios while monitoring risk and communicating with senior management.

You will apply deep middle‑market credit knowledge across lender products, mentor teammates, and ensure adherence to bank policies and regulatory requirements.

Qualifications

• Bachelor's degree plus 6+ years in credit analysis, underwriting or risk management.
• High School Diploma or GED with 10+ years in credit analysis, underwriting or risk management acceptable.

Responsibilities

• Lead the underwriting process from initial client discussions to closing, including deal vetting and term sheet issuance.
• Interface with Borrowers, Agent Banks and Third Party Intermediaries.
• Participate in credit approval meetings with Credit Partners.
• Oversee post-closing modifications, extensions and portfolio monitoring.
• Monitor risks in the portfolio and provide risk analyses and reporting.
• Advise on strategies to align portfolio with bank balance sheet and economic conditions.
• Mentor junior team members and ensure policy compliance.

Skills

Credit analysis

Financial modeling

Communication (verbal & written)

Deal structuring

Leadership / mentoring

Education

Bachelor's degree

High School Diploma or GED

Job description

First Citizens Bank is seeking a VP, Sr Underwriter Portfolio Manager for Middle Market Banking in a hybrid role with regular office presence in Charlotte, NC. You will lead underwriting, structure deals, and manage post‑closing portfolios while monitoring risk and communicating with senior management.

You will apply deep middle‑market credit knowledge across lender products, mentor teammates, and ensure adherence to bank policies and regulatory requirements.