Underwriter II-Healthcare

Overview

This is a hybrid role, with the expectation that time working will regularly take place inside and outside of a company office.

The Sr Analyst supports the Healthcare group 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.

Responsibilities

• Underwriting - Underwrites Healthcare accounts according to applicable regulations, procedures, and guidelines. Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend credit grades and appropriate loan structuring. Ensures all involved parties are updated on underwriting progress and outcome.
• 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 Healthcare loans.
• Risk Management - Identifies risks through reviews, analysis, and research of new and existing Healthcare loans. Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the Healthcare 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 OR High School Diploma or GED and 8 years of experience in

Preferred Education: BachelorsPreferred Area of Study: Business, Finance, Economics

Other Related Experience: Finance, Banking Completion of a formal credit training program preferred

The base pay for this position is generally between $90,000.00 and $95,000.00. 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.