5+ years of experience
Concerned about your lack of experience? Learn More...
Employment Type:
Full time
Job Category:
See more jobs for students and recent grads who studied:
SBA/Commercial Credit Underwriter I Job
First Citizens Bank | Raleigh, North Carolina
Tell Us More About Your Job Preferences
By telling us what you think of this job, we can help find jobs that match your interests. If you want to see more jobs like this, click on the smiley face. Or if this job isn't what you are looking for, click the frowny face. Learn More...

Follow This Company

Job Description

SBA/Commercial Credit Underwriter I
Use your LinkedIn Profile to help you apply faster!
Apply with LinkedIn

Job ID #: 28884
Location: NC-Raleigh
Functional Area: Credit Administration
Employment Type: Full-Time Exempt
Education Required: See basic qualifications
Experience Required: See basic qualifications
Days and Hours: M-F
Physical Address: 100 E Tryon Rd, Raleigh NC
Department Name: Small Business Administration

Position Description

The person in this role will provide support in underwriting, structuring, and documenting new credits and credit renewals for the SBA Lending Division. Responsible for identifying, gathering, and analyzing relevant information to assess credit risk, establish viability of sources of repayment, and determine appropriate loan structures. Provide support in the underwriting role in preparing cash flow and financial analysis, preparing credit approval memos with recommendations consistent with bank policy that illustrate well reasoned analysis, supported by the SBA SOP policies. Assist with the assigned SBA loan portfolio to minimize risk to the Bank. Provide quality customer service, including participation in joint calls with customers. Will also assist with special projects as needed.

First Citizens is one of the top financial services providers in the nation, recognized and awarded for our customer satisfaction, sustainable profitability, and overall stability and security. Our associates make First Citizens a great place for our clients to do business. Those who grow, achieve and succeed are those who share our core values of integrity, service excellence and stability.


Position Requirements

Basic Qualifications:
Bachelor degree with minimum of 4 years experience working in a credit administration role, credit sales, underwriting, or servicing experience.
High school diploma or GED with 8 years experience working in a credit administration role, credit sales, underwriting, or servicing experience.

Other Preferred Qualifications:
Leading candidates will possess a strong knowledge of Small Business Administration (SBA) lending policies and guidelines.

Additional Requirements:
Minimum of 2 years experience working directly with loan underwriting and cash flow analysis.
Excellent analytical, written, and verbal communications skills.
Detailed knowledge of financial accounting theory and logic, loan structuring, commercial products and services.
Strong interpersonal and presentation skills.
Ability to interpret and discuss analytical data.
Thoroughly and independently analyze complex credit situations and make sound credit recommendations/decisions to create win-win solutions for the client and Bank.
Ability to excel in a team environment, manage multiple tasks concurrently, and prioritize.
Proficient with computers, software, applications and applicable mainframe systems.

We are an Equal Opportunity Employer and do not discriminate against applicants due race, color, religion, national origin, sex, age, disability, veteran status, sexual orientation, gender identity, or other legally protected status.

About First Citizens Bank

First Citizens BancShares Inc. has over $21 billion in assets. BancShares' banking subsidiaries, First Citizens Bank and IronStone Bank, provide a broad range of financial services to individuals, businesses, professionals and the medical community through a network of over 400 branch offices, telephone banking, online banking and ATMs. BancShares is one of Forbes' Platinum 400 Best Big Companies in America. Founded in 1898, First Citizens Bank today operates in North Carolina, Virginia, West Virginia, Tennessee, Maryland, Florida, Washington state and Southern California. The bank has received multiple national awards for customer satisfaction, sustained profitability and overall stability and security, including a five-star superior ranking by independent banking rating firm BauerFinancial Inc. and Greenwich Excellence Awards for Business Banking.

This company profile was created by AfterCollege and is about First Citizens Bank. This page is not endorsed by or affiliated with First Citizens Bank. For questions regarding company profiles, please email: care@aftercollege.com.