firstcitizens First Citizens Bank

First Citizens Bank is a full-service financial institution with nearly 550 locations nationwide.

Responsibilities

Provide credit analysis/underwriting for new lease transactions and ensure it is conducted efficiently and timely within existing policies
Handle a variety of transactions, some of which require complex and unique structures
Assist sales representatives with prescreening and structuring transactions for prospective lessees
Hold due diligence meetings / conference calls with customer CFOs or other financial management as required
Assist in the negotiation of lease and third-party assignment documentation
Decision making within credit limit authority and making recommendations on credit requests above existing authority

Qualifications

Minimum 4+ years’ experience in credit underwriting with a bank or commercial finance company.
Experience in credit underwriting of Technology and Industrial assets is preferred
Ability to analyze financial statements and other pertinent credit information and make credit decisions or recommendations
Strong writing and verbal skills required
Experience with spreading financial statements
Ability to calculate an interpret financial ratios
Ability to engage across functions and clearly communicate reasons why decisions were made
Ability to work independently in a fast-paced environment with multiple talks and deadlines
BS degree required, preferably with a major in Finance or Accounting. Master’s Degree preferred
Technical skills in financial statement analysis, risk analysis and legal contract requirements.
Strong communication skills and ability to interface with executive management, customers, attorneys, and peers