Overview This is a hybrid role, with the expectation that time working will regularly take place inside and outside of a company office. This role will be located in Fayetteville, Wilmington, or Raleigh, NC. The Commercial Underwriter II supports the General Bank. This role will be part of 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. 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 borrower risk ratings and appropriate loan structuring. Ensures all involved parties are updated on underwriting progress and outcome. May provide guidance to less experienced underwriters through knowledge of underwriting procedures and information needs. 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 credit requests and relationships. 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. 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 clients to determine needs and structuring of new requests, renewals, and modifications, participating in client and prospect calls as needed. May assist management with peer development and training. Qualifications Bachelor's Degree and 4 years of experience in Commercial Underwriting in C&I and Medical, Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis. OR High School Diploma or GED and 8 years of experience in Commercial Commercial Underwriting in C&I and Medical, Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis. Preferred Qualifications: Experience with credit relationships 5 million and above. Experience in leading special projects as needed to facilitate commercial lending activities and service capabilities and act in a leadership role to less experienced underwriters in the work group. Microsoft Excel competency required. Strong written and verbal communication skills required. First Citizens benefits programs are designed to meet our associates where they are in life. Full-time associates (20+ hours) are offered a comprehensive benefits program, with customized offerings, including those designed to support families, however defined. More information regarding our benefits offerings can be found here: https://jobs.firstcitizens.com/benefits.