VP, Senior Underwriter Portfolio Manager MMB - San Diego

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.

• Candidates will work within a team construct to take a leadership role in the credit underwriting and portfolio management of diverse debt solutions for middle-market companies. Specifically: (i) debt refinancing for working capital, fixed assets, or real property; (ii) acquisition financing; or iii) recapitalizations.
• Specific new business underwriting duties include: i) transaction structuring; ii) risk mitigation; iii) financial modeling; iv) independent industry research; v) compiling and presenting approval requests; vi) preparing and negotiating legal documents; and vii) funding and closing transactions.
• Specific portfolio management duties include: i) preparing waiver and amendment requests or underwriting add-on opportunities; ii) monitoring individual accounts for performance trends to ensure accurate and timely risk ratings; and iii) maintaining credit files in preparation for internal or external audits.
• Taking the lead on driving the transaction process.
• Training and developing junior team members.
• Ensure compliance with all FCB policies and procedures.
• Firm understanding of FCB systems and resources

Bachelor's Degree and 6 years of experience in Finance, Banking OR High School Diploma or GED and 10 years of experience in Finance, Banking

Preferred:

Preferred:

• Bachelor's degree with courses relevant to business and financial analysis
• 7 years of experience in commercial lending or investing environment preferrably within middle market banking
• The completion of a formal credit training program

Other:

• Demonstrated analytical and quantitative skills
• Strong expertise with financial modeling and credit analysis
• Excellent oral and written communications skills
• Time management skills to efficiently handle multiple tasks with changing priorities
• Demonstrated ability to anticipate and problem solve to then take initiative to drive processes forward
• Detailed knowledge of Microsoft Office Applications
• Attention to detail
• Ability to function independently and as part of a small deal team

The base pay for this position is generally between $135,000.00 and $160,000.00. 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.

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.