[Skip to main content](#main-content) [OpenNash Jobs](https://jobs.opennash.com/) [Hiring report](/reports/hiring/) · [All First Citizens Bank (NC) jobs](https://jobs.opennash.com/companies/first-citizens-bank-nc/) · [Search jobs](/search/) First Citizens Bank (NC) · Charlotte, North Carolina # VP, Senior Underwriter Portfolio Manager - Middle Market Banking - NC Charlotte, North Carolina Full-time Executive Finance & Accounting Listed on First Citizens Bank (NC)’s official careers site. Posted October 16, 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/35924/login) [OpenNash Jobs](https://jobs.opennash.com/) / [First Citizens Bank (NC)](https://jobs.opennash.com/companies/first-citizens-bank-nc/) / VP, Senior Underwriter Portfolio Manager - Middle Market Banking - NC ## Job description ### Overview At First Citizens Bank, we believe meaningful careers are built through meaningful relationships. For more than 125 years, we've supported our clients, communities and colleagues through a culture rooted in connection, collaboration and long-term success. At First Citizens Bank, we're committed to helping our clients achieve their ambitions, and we bring that same commitment to our associates. For more than 125 years, our relationship-based culture has created opportunities to build lasting connections, grow professionally and make a meaningful impact for our clients, communities and one another. First Citizens Middle Market Banking brings a relationship and advisory driven approach to delivering tailored banking solutions that support growth, strategic objectives and long-term success to privately held, family-owned and publicly traded companies across a variety of industries. The VP, Sr Underwriter Portfolio Manager - Middle Market Banking is responsible for the underwriting as well as portfolio management of Middle Market Banking (“MMB”) financing transactions. Responsible for analysis, reporting, and purchase or liquidation of assets within the portfolio. Monitors regulatory requirements and market trends, and modifies strategies as needed. Performs all activities to maximize value while minimizing risk, developing reports, dashboards, and other methods of evaluation to communicate status with the appropriate stakeholders. ### Responsibilities & Qualifications Strong middle market finance experience with both privately-held and public companies, through understanding of credit analysis, financial modeling, structuring, guarantor analysis, deal terms and the ability to communicate credit recommendations with senior management. Deep credit product knowledge ranging from senior secured lending with recourse to owner-occupied real estate, and enterprise value financings. ### New Business Underwriting Collaborate with the MMB Underwriting and Portfolio Management Team Lead, Relationship Managers, and Credit Partners on evaluation assessment of prospective relationship orientated credit opportunities: Lead the underwriting process from initial client discussions to closing, including deal vetting, structuring, term sheet issuance, preparation of a quality Credit Approval Memo, loan documentation negotiation, approval and closing. Interface with Borrowers, Agent Banks, and Third Party Intermediaries. Actively participate in credit approval request meetings with Credit Partners. ### Ongoing Portfolio Management Following closing, oversees any post-closing loan modifications, extensions, and ongoing portfolio monitoring including ensuring risk rating accuracy. Monitors risks associated with companies in a portfolio of lending relationships through periodic review and of financial statements, other required reporting and independent research. Advises on strategies to ensure risks are properly identified and portfolio composition is aligned with overall Bank balance sheet and appropriate for various economic environments. ### Other Job Functions Serve as a mentor to assist in the training and development of junior team members. Ensure compliance with all bank policies and procedures throughout underwriting and portfolio management process. ### Position Specific Skills Completion of a formal credit training program preferred Detail Oriented Commercial Credit Communications both verbal and written - Ability to handle multiple tasks with changing priorities Qualifications: Minimum Required Education and Experience: Bachelor's Degree and 6 years' experience OR High School Diploma or GED/Equivalent and 10 years' experience in Credit analysis, underwriting or Risk Management Preferred: Bachelor’s degree with courses relevant to business and financial analysis - 8 years of experience in commercial lending or investing environment preferably within middle market banking Commercial loan closing experience including owner occupied real estate. 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: Oct 16, 2026 - First seen by OpenNash: Oct 17, 2026 - Last checked: Oct 17, 2026 - Listed for: 1 day - Location: Charlotte, North Carolina - Employment type: Full-time[Apply on First Citizens Bank (NC)’s careers site →](https://external-firstcitizens.icims.com/jobs/35924/login) ## More jobs at First Citizens Bank (NC) ### [2027 Summer Intern - Audit (Charlotte, NC)](https://jobs.opennash.com/companies/first-citizens-bank-nc/jobs/05bc116430a6627362c7/) Charlotte, North Carolina ### [Commercial Credit Associate I (Hybrid)](https://jobs.opennash.com/companies/first-citizens-bank-nc/jobs/5e42e7b781c186f34506/) Charlotte, North Carolina ### [2027 Summer Intern - Allowance (Charlotte, NC)](https://jobs.opennash.com/companies/first-citizens-bank-nc/jobs/a31353f33c89780c6180/) Charlotte, North Carolina ### [AI Portfolio Manager](https://jobs.opennash.com/companies/first-citizens-bank-nc/jobs/79ea254e21b142fbd939/) Charlotte, North Carolina ### [Business Banker](https://jobs.opennash.com/companies/first-citizens-bank-nc/jobs/c46c409d4a9e9c65c078/) Charlotte, North Carolina ## Similar jobs at other companies ### [Portfolio Banker-Emerging Middle Market, Healthcare Services-VP/ED](https://jobs.opennash.com/companies/jpmorganchase/jobs/12180e4e530ef7a9ff5b/) JPMorganChase · New York, NY, United States ### [Portfolio Financing Middle Office Associate](https://jobs.opennash.com/companies/jpmorganchase/jobs/41bf4c747e779ee918d8/) JPMorganChase · Newark, DE, United States ### [Middle Market Banker - Indiana](https://jobs.opennash.com/companies/truist/jobs/7968b7e89a7453c61d39/) Truist · Indianapolis, Indiana, USA ### [Middle Market Underwriting Specialist](https://jobs.opennash.com/companies/sentry-insurance/jobs/6a80efe0e769a9aaf35d/) Sentry Insurance · Irvine, CA ### [Underwriting Manager - Middle Market](https://jobs.opennash.com/companies/sentry-insurance/jobs/2dbee1abfda846df6190/) Sentry Insurance · Denver, CO OpenNash lists jobs from employers’ own careers sites and does not handle applications. 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