Overview This is a hybrid role, with the expectation that time working will regularly take place inside and outside of a company office. First Citizens Healthcare Finance provides comprehensive financing and banking solutions to middle market healthcare companies across the U.S. Using a client-focused and industry-centric model, Healthcare Finance can tailor its products and services to help clients meet their needs for growth capital. The Underwriter II or III supports the Healthcare team at an advanced level through underwriting, analysis, and structuring recommendations for healthcare portfolios. Identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assesses and communicates risks within new and existing Healthcare accounts. Provides service and support for both associates and clients, assisting in customer calls and may assist in identifying cross-sales opportunities to facilitate lending activities. Responsibilities The Senior Analyst/Associate will support the HRE MOB UW team with analyzing and underwriting new real estate transactions with a focus on the Medical Office Building (“MOB”) asset class. Assist with the preparation of property level analysis, pre-screens and final credit approvals for new financing opportunities The position requires a candidate to have strong credit and analytical skills that can multi-task and work in a high paced team environment. Involved in every stage of the transaction including the following: market research, due diligence, presenting to credit, structuring and legal documentation Assist with special projects, audits, and other ad hoc duties Will interact with Originators and Credit Management, support Senior Underwriters, Portfolio Management, Operations and Closing teams, and collaborate with peers Qualifications Underwriter II Required Bachelor's Degree and 1 year of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis OR High School Diploma or GED and 3 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis Preferred Education: Bachelors Preferred Area of Study: Real Estate, Finance, Accounting Master's Degree Experience: Finance, Banking Skill(s): Completion of a formal credit training program preferred 1+ years experience in CRE finance with focus on credit underwriting; experience underwriting MOBs and Healthcare Real Estate a plus Strong analytical, financial modeling, written and communication skills Proficiency with Microsoft Excel; experience with Argus software Experience underwriting construction loans a plus Experience in portfolio management/underwriting other healthcare sectors such as Inpatient Rehab and Seniors Housing a plus Underwriter III Required Bachelor's Degree and 2 year of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis OR High School Diploma or GED and 6 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysisPreferred Education: Bachelors Preferred Area of Study: Real Estate, Finance, Accounting Master's Degree Experience: Finance, Banking Skill(s): Completion of a formal credit training program preferred 2+ years experience in CRE finance with focus on credit underwriting; experience underwriting MOBs and Healthcare Real Estate a plus Strong analytical, financial modeling, written and communication skills Proficiency with Microsoft Excel; experience with Argus software Experience underwriting construction loans a plus Experience in portfolio management/underwriting other healthcare sectors such as Inpatient Rehab and Seniors Housing a plus For the Underwriter II position, the base pay for this position is generally between $95,000 and $100,000 for for the Underwriter III position, the base pay is generally between 100,000 and $120,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. 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