OverviewThe AVP, Underwriter Portfolio Manager - MMB underwrites credit exposure and actively manages a Middle Market Banking (MMB) portfolio. Manages portfolio risk and adheres to all regulatory and compliance guidelines. Manages, services, and develops banking relationships through prescribed servicing and sales processes. Identifies emerging credit problems and industry trends.
Responsibilities- Underwriting - Underwrites MMB accounts 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.
- Portfolio Management - Manages assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues and following through for remediation. Responsible for risk rating integrity, annual reviews as well as financial statement spreading, compliance and regulatory review. Manages all amendment and waivers in the assigned portfolio.
- Client Service - Maintains ongoing communication and contact with assigned loan clients. Fortifies relationships and monitors client satisfaction. 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 loans.
- Risk Management - Identifies risks through reviews, analysis, and research of new and existing loans. Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the portfolio. Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management.
QualificationsBachelor's Degree and 4 years of experience in Credit analysis, underwriting or Risk Management OR High School Diploma or GED and 8 years of experience in Credit analysis, underwriting or Risk Management
Preferred:Formal credit training.
Underwriting middle market banking transactions.
Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.
