VP, Senior Underwriter Portfolio Manager MMB

Overview As a Vice President, this is an opportunity to work within a growing group for a top 20 Bank with significant advancement opportunities both in the department and other functional areas of First Citizen’s Commercial Bank. MMB targets companies across most industry sectors that include traditional industries of manufacturing, wholesaling/distribution, transportation/logistics, and service businesses. Responsibilities Work within a team to lead credit underwriting and portfolio management for diverse debt solutions for middle-market companies, including: (i) debt refinancing for working capital, fixed assets, or real property; (ii) acquisition financing; or (iii) recapitalizations. Handle new business underwriting duties such as: transaction structuring, risk mitigation, financial modeling, industry research, approval requests, legal document preparation, and funding/closing transactions. Manage portfolio duties including: waiver and amendment requests, monitoring account performance, and maintaining credit files for audits. Lead the transaction process. Train and develop junior team members. Ensure compliance with all FCB policies and procedures. Maintain a firm understanding of FCB systems and resources. Qualifications Required: Bachelor's Degree with 6 years of experience in Finance or Banking OR High School Diploma/GED with 10 years of experience in Finance or Banking. Preferred: Bachelor’s degree with courses relevant to business and financial analysis. 10 years of experience in commercial lending or investing, preferably within middle-market banking. Experience in commercial loan closing, including owner-occupied real estate. Completion of a formal credit training program. Other skills include demonstrated analytical and quantitative skills, expertise in financial modeling and credit analysis, excellent communication, time management, problem-solving abilities, proficiency in Microsoft Office, attention to detail, and the ability to work independently or in a team. The base pay ranges from $135,000 to $160,000 in California, with actual pay based on skills, experience, and location. Total compensation may include bonuses, incentives, and benefits. More details are available at

https://jobs.firstcitizens.com/benefits .

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