VP, Senior Underwriter Portfolio Manager-MMB

First Citizens; Charlotte (NC); Presencial; USD 120 000 - 150 000; Tempo integral

Resumo da oferta

First Citizens Bank in Charlotte, NC, seeks a VP, Senior Underwriter Portfolio Manager for Middle Market Banking. You will lead underwriting from initial discussions to closing, structure deals, issue credit memos, and coordinate with borrowers, banks, and intermediaries.

In this role, you’ll monitor ongoing portfolio risk, perform post-closing modifications, and communicate insights to senior management. A formal credit training background and strong analytical, written and verbal communication

Qualificações

• Bachelor’s degree and 6 years’ credit analysis/underwriting experience, or high school diploma with 10 years’ related experience.
• Strong analytical and communication skills for presenting credit recommendations.
• Experience with commercial lending, owner-occupied real estate and enterprise value financings.

Responsabilidades

• Lead underwriting from initial client discussions to closing, including structuring and memo preparation.
• Interface with Borrowers, Agent Banks, and Third Party Intermediaries.
• Participate in credit approval meetings with Credit Partners.
• Monitor post-closing risk, perform portfolio reviews and advise on risk management.

Conhecimentos

Middle market finance

Credit analysis

Financial modeling

Structuring

Guarantor analysis

Credit recommendations

Communication skills

Formação académica

Bachelor's Degree

High School Diploma/GED

Descrição da oferta de emprego

Overview

At First Citizens Bank, we believe meaningful careers are built through meaningful relationships. For more than 125 years, we've supported our clients, communities and colleagues through a culture rooted in connection, collaboration and long-term success.

At First Citizens Bank, we're committed to helping our clients achieve their ambitions, and we bring that same commitment to our associates. For more than 125 years, our relationship-based culture has created opportunities to build lasting connections, grow professionally and make a meaningful impact for our clients, communities and one another.

First Citizens Middle Market Banking brings a relationship and advisory driven approach to delivering tailored banking solutions that support growth, strategic objectives and long-term success to privately held, family-owned and publicly traded companies across a variety of industries.

The VP, Sr Underwriter Portfolio Manager - Middle Market Banking is responsible for the underwriting as well as portfolio management of Middle Market Banking (“MMB”) financing transactions. Responsible for analysis, reporting, and purchase or liquidation of assets within the portfolio. Monitors regulatory requirements and market trends, and modifies strategies as needed. Performs all activities to maximize value while minimizing risk, developing reports, dashboards, and other methods of evaluation to communicate status with the appropriate stakeholders.

Responsibilities & Qualifications

Strong middle market finance experience with both privately-held and public companies, through understanding of credit analysis, financial modeling, structuring, guarantor analysis, deal terms and the ability to communicate credit recommendations with senior management. Deep credit product knowledge ranging from senior secured lending with recourse to owner-occupied real estate, and enterprise value financings.

New Business Underwriting:

• Lead the underwriting process from initial client discussions to closing, including deal vetting, structuring, term sheet issuance, preparation of a quality Credit Approval Memo, loan documentation negotiation, approval and closing.
• Interface with Borrowers, Agent Banks, and Third Party Intermediaries.
• Actively participate in credit approval request meetings with Credit Partners.

Ongoing Portfolio Management:

• Following closing, oversees any post-closing loan modifications, extensions, and ongoing portfolio monitoring including ensuring risk rating accuracy.
• Monitors risks associated with companies in a portfolio of lending relationships through periodic review and of financial statements, other required reporting and independent research.
• Advises on strategies to ensure risks are properly identified and portfolio composition is aligned with overall Bank balance sheet and appropriate for various economic environments.

Other Job Functions:

• Serve as a mentor to assist in the training and development of junior team members.
• Ensure compliance with all bank policies and procedures throughout underwriting and portfolio management process.

Position Specific Skills:

• Completion of a formal credit training program preferred
• Detail Oriented
• Commercial Credit
• Communications both verbal and written
• Ability to handle multiple tasks with changing priorities

Qualifications:

Minimum Required Education and Experience: Bachelor's Degree and 6 years' experience OR High School Diploma or GED/Equivalent and 10 years' experience in Credit analysis, underwriting or Risk Management

Preferred:

• Bachelor’s degree with courses relevant to business and financial analysis
• 8 years of experience in commercial lending or investing environment preferably within middle market banking
• Commercial loan closing experience including owner occupied real estate.

Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.