Underwriter IV-Energy First Citizens Bank United States, California, Santa Monica Aug 24, 2026 Overview This position supports the Energy team by underwriting at an advanced level of complexity for energy 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 energy lending activities and service capabilities and may provide direction to less experienced underwriters in the work group.

Responsibilities & Qualifications Duties & Responsibilities:

Underwriting

• Underwrites energy accounts 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 energy loans. Risk Management
• Identifies risks through reviews, analysis, and research of new and existing energy loans. Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the energy 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:

Completion of a formal credit training program preferred.

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 Education:

Bachelor's Degree

Preferred Area of Study:

Business, Finance, Economics

Preferred Area of Experience:

Finance, Banking

Required Licenses or Certifications:

Preferred Licenses or Certifications:

Additional Information Bachelor's Degree and 4 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis. OR High School Diploma or GED and 8 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.

Preferred Qualifications:

Bachelor's Degree in related field such as Finance, Economics, or Business Renewable Energy experience Project finance experience Distributed Generation experience to include community solar US renewable project finance experience Tax equity experience Commercial Finance experience Excel and modeling experience The base pay for this position is generally between $130,000.00 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.