Underwriter I - Commercial - Asset Based Lending (hybrid) Charlotte, NC

This is a hybrid role, with the expectation that time working will regularly take place inside and outside of a company office based in Charlotte, North Carolina.

The Underwriter I - Commercial - Asset Based Lending will build a broad and deep technical skillset through online coursework and on the job training as launchpad for continued success. Analysts will focus on understanding credit policies & procedures, underwriting fundamentals, core values and strategic priorities of the Bank. Analysts will spend time learning financial analysis and excel modeling and application-specific systems related to their specific business units.

• Underwriting - Underwrites accounts according to applicable regulations, procedures, and guidelines. Reviews for proper documentation, 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.
• Support - Answers inquiries and resolves daily issues regarding file status from clients, associates, and outside parties. Assists with any administrative/clerical duties necessary to facilitate work in the energy group.
• Risk Management - Identifies, and communicates risks, through reviews, analysis, and research of new and existing energy loans.
• Subject Proficiency - Maintains proficiency and understanding of underwriting principles, applicable procedures, and agency guidelines as per regulations in multiple states. Utilizes knowledge to address unusual underwriting issues that develop during course of work.

Bachelor's Degree and 0 years of experience in Coursework or internship in commercial lending or credit Analysis, financial statement analysis, and finance fundamentals OR Associate's Degree and 2 years of experience in Coursework or internship in commercial lending or credit Analysis, financial statement analysis, and finance fundamentals

Preferred Experience:

Bachelors Degree in Business, Finance, Economics

Finance, Banking experience

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.