First Citizens Bank · 8 hours ago
Commercial Underwriter I
Charlotte, NC
Full-time
Hybrid
Entry Level
2+ years expFirst Citizens Bank is looking for a Commercial Underwriter I to support their commercial lending team. This role involves underwriting, analyzing, and structuring recommendations for commercial portfolios while assessing borrower risks and providing support for associates and clients.
BankingInsuranceLendingPaymentsWealth Management
Responsibilities
Underwriting - Underwrites commercial credit actions according to applicable regulations, procedures, and guidelines. Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend credit grades and appropriate loan structuring. Ensures all involved parties are updated on underwriting progress and outcome
Analysis - Sources, compiles, and interprets financial data to support structuring and approval of loans. Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower. Utilizes results of analysis to underwrite commercial loans
Risk Management - Identifies risks through reviews, analysis, and research of new and existing commercial loans. Communicates identified risks, 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
Business Support - May assist in the identification of cross-sales opportunities and servicing information. Prepares credit analysis documentation. Partners with associates and clients to determine needs and structuring of new requests, participating in client and prospect calls as needed
Qualification
Required
Bachelor's Degree and 2 years of experience in Credit Analysis and General Commercial Banking
High School Diploma or GED and 6 years of experience in Credit Analysis and General Commercial Banking
Preferred
Advanced Degree in Finance, Accounting, Economics
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 (102)
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
Greg Smith
Chief Information and Operations Officer
Recent News
2025-12-22
2025-12-21
Company data provided by crunchbase