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The Commercial Real Estate Underwriter II supports the commercial lending team by underwriting at an advanced level of complexity for commercial portfolios. Provides guidance to structuring, servicing, and analysis for both new and renewal credits. Identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assesses and communicates risks to assist department risk mitigation strategies. Provides service and support for both associates and clients, participating in client calls, and may assist in identifying cross-sales opportunities. May assist special projects as needed to facilitate commercial lending activities and service capabilities, and may provide direction to less experienced underwriters in the work group.
**This role is remote anywhere in the United States.
Responsibilities
Job Responsibilities:
- Underwrite commercial real estate loans for a diverse lending team across all markets in the Bank's national footprint.
- Loan portfolio to include the primary asset types such as office, retail, industrial, and multi-family as well as more specialized asset classes inclusive of but not limited to self-storage, hotel, restaurants, and single-family rental properties.
- Contributes to the commercial real estate lending team culture to ensure it is consistent with the mission, vision, and values of First Citizen's Bank.
The base pay for this position is relative to your experience but the range is generally $83,250 to $110,000 per year. First Citizens offers a competitive, comprehensive benefits program which you can review here: .
Qualifications
Basic Quailifications:
- Bachelor's Degree and 4 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve-month analysis.
OR
- High School Diploma/GED and 8 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve-month analysis.
Additional Qualifications:
- 2 years working with Commercial Real Estate required; 4 years working in Commercial Real Estate preferred.
- Microsoft Excel competency required
- Strong written and verbal communication skills required
- Experience working with credit exposure 5 million and above preferred
First Citizens Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race (including traits historically associated with race, such as hair texture and protective hairstyles), color, religion, national origin, sex, age, disability, protected veteran status, sexual orientation, gender identity, genetic information, military membership, application, or obligation, or any other legally protected status.