First Citizens Bank · 1 day ago
Senior Commercial Underwriter
Wilmington, NC
Full-time
Hybrid
Senior Level
6+ years expFirst Citizens Bank is seeking a Senior Commercial Underwriter to lead underwriting efforts for commercial portfolios. This role involves servicing commercial lending teams, preparing credit approval memos, assessing risks, and providing support to associates and customers.
BankingInsuranceLendingPaymentsWealth Management
Responsibilities
Underwriting - Leads the underwriting of commercial credit actions according to applicable regulations, procedures, and guidelines. Interacts directly with customers to gather information throughout the approval process and to determine the viability of repayment. Reviews financial statements, communicates with customers or prospects, and performs analysis to recommend credit grades, covenants, and appropriate loan structuring. Ensures all involved parties are updated on underwriting progress and outcome. Provides leadership in daily activities through underwriting production and credit analysis expertise
Risk Management - Identifies risks through reviews, analysis, and research of new and existing commercial loans. Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the commercial portfolio. Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management. May assist in the development of strategies to manage risk within the credit portfolio
Analysis - Sources, compiles, and interprets financial data to support structuring and approval of loans. Reviews industry information and comparisons, key risks and mitigants, and collaterals to form a general business overview of the borrower. Utilizes results of analysis to underwrite complex commercial loans
Business Support - May assist in identifying cross-sales opportunities for new and existing relationships based on analysis activities. Identifies servicing information and prepares credit analysis documentation. Partners with associates and customers to determine needs and structuring of new requests, participating in customer and prospect calls as needed. Assists management with peer development and training
Qualification
Required
Bachelor's Degree and 6 years of experience in Commercial Credit Analysis and Underwriting, Financial Statement Spreading, Preparation of Projections, and Trailing Twelve Month Analysis
High School Diploma or GED and 10 years of experience in Commercial Credit Analysis, Lending, or Underwriting, Financial Statement Spreading, Preparation of Projections, and Trailing Twelve Month Analysis
8-10 years of experience in commercial underwriting in C&I
Experience with credit relationships 5 million and above
Microsoft Excel competency required
Strong written and verbal communication skills required
Company
First Citizens Bank
First Citizens Bank provides banking services, essential business and professional services, wealth management capabilities, and more.
10001+ employees
H1B Sponsorship
First Citizens Bank has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (126)
2024 (115)
2023 (249)
2022 (53)
2021 (12)
2020 (9)
Funding
Current Stage
Public CompanyTotal Funding
$33M2021-05-07Post Ipo Debt· $10M
2018-08-29Post Ipo Debt· $23M
1986-10-31IPO
Leadership Team
C
Craig Nix
Chief Financial Officer
Samantha Bureau - Johnson
SVP & Director, Customer Contact Center
Recent News
2026-01-13
2026-01-06
Company data provided by crunchbase