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First Citizens Bank (NC) · Houston, Texas +5 more

# Commercial Underwriter II

Houston, Texas +5 more Remote Full-time Sales 

Listed on First Citizens Bank (NC)’s official careers site. Posted November 5, 2026. Check that it is still open and apply there.
[Apply on First Citizens Bank (NC)’s careers site →](https://external-firstcitizens.icims.com/jobs/36405/login)

[OpenNash Jobs](https://jobs.opennash.com/) / [First Citizens Bank (NC)](https://jobs.opennash.com/companies/first-citizens-bank-nc/) / Commercial Underwriter II

## Job description

### Overview

This is a remote role and may be hired in AZ, KA,OR, NM, NV, or TX. The Commercial Underwriter II supports the commercial lending team by underwriting at an advanced level of complexity for commercial portfolios. Provides guidance to structuring, servicing, and analysis for both new and renewal credits. Identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring.

Assesses and communicates risks to assist department risk mitigation strategies. Provides service and support for both associates and clients, participating in client calls, and may assist in identifying cross-sales opportunities. May assist special projects as needed to facilitate commercial lending activities and service capabilities, and may provide direction to less experienced underwriters in the work group.

### Responsibilities & Qualifications

Duties & Responsibilities: Underwriting
- Underwrites commercial credit actions 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.

### 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 commercial loans.

### Risk Management
- Identifies risks through reviews, analysis, and research of new and existing commercial credit requests and relationships. Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the commercial 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.

### Position Specific Skills

Builds Productive Relationships Critical Thinking Skills Effective Judgement Risk Mitigation Qualifications: Minimum Required Education and Experience: Bachelor's Degree and 4 years' experience OR High School Diploma or GED/Equivalent and 8 years' experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.

### Preferred Qualifications

6-8 years of experience in commercial underwriting in C&I, Medical Experience with credit relationships 5 million and above Microsoft Excel competency required Experience with Moody's Credit Lens Strong written and verbal com munication skills required The ideal candidate will possess exceptional attention to detail, strong time management skills, and the ability to successfully balance and prioritize multiple tasks while maintaining accuracy and meeting deadlines.

Additional Information 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](https://jobs.firstcitizens.com/benefits).

## At a glance
- Posted by the employer: Nov 5, 2026
- First seen by OpenNash: Nov 7, 2026
- Last checked: Nov 7, 2026
- Listed for: 2 days
- Location: Houston, Texas +5 more
- Work arrangement: Remote
- Employment type: Full-time[Apply on First Citizens Bank (NC)’s careers site →](https://external-firstcitizens.icims.com/jobs/36405/login)

## Hiring at First Citizens Bank (NC)
- Open jobs: 407
- New in the last 7 days: After two weekly collections
- Tracked since: Jul 10, 2026

[All First Citizens Bank (NC) jobs](https://jobs.opennash.com/companies/first-citizens-bank-nc/) · [Weekly hiring report](/reports/hiring/)

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