Senior Underwriter & Portfolio Leader, Middle Market Banking

First Citizens Bank; Charlotte (NC); On-site; USD 120,000 - 170,000; Full time

Job summary

First Citizens Bank is seeking a VP, Senior Underwriter Portfolio Manager for Middle Market Banking in Charlotte. The role leads underwriting from client discussions to closing and manages a diversified portfolio, balancing risk and growth.

Responsibilities include post-closing modifications, portfolio monitoring, and delivering credit insights to senior management. Strong experience with middle market finance and relationship management is essential.

Qualifications

• Strong middle market finance experience with privately-held and public companies.
• Deep credit product knowledge including senior secured lending and owner-occupied real estate.
• Experience communicating credit recommendations to senior management.

Responsibilities

• Lead the underwriting process from initial client discussions to closing.
• Interface with Borrowers, Agent Banks, and Third Party Intermediaries.
• Participate in credit approval meetings with Credit Partners.
• Oversee post-closing loan modifications and portfolio monitoring.

Skills

Credit analysis

Financial modeling

Deal structuring

Guarantor analysis

Credit approvals

Portfolio monitoring

Regulatory awareness

Education

Bachelor's degree + 6 years

High school diploma + 10 years

Job description

First Citizens Bank is seeking a VP, Senior Underwriter Portfolio Manager for Middle Market Banking in Charlotte. The role leads underwriting from client discussions to closing and manages a diversified portfolio, balancing risk and growth.

Responsibilities include post-closing modifications, portfolio monitoring, and delivering credit insights to senior management. Strong experience with middle market finance and relationship management is essential.