$180,000–$225,000 Per Year
Analysis Skills, Banking Services, Commercial Loans, Communication Skills, Compensation and Benefits, Construction, Credit Analysis, Customer Relations, Customer Support/Service, Finance, Financial Modeling, Healthcare, Healthcare Management, Investment Management, Leadership, Legal, Loan Approval, Loan Closing, Loan Origination, Loan Structuring, Maintain Compliance, Managed Care, Mentoring, Microsoft Excel, Mortgage Lending, Patient Care, Portfolio Analysis, Real Estate, Revenue Growth, Risk, Risk Analysis, Risk Management, Service Level Agreement (SLA), Strategic Planning, Team Lead/Manager, Team Player, Underwriting
This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office.
First Citizens Healthcare Finance provides comprehensive financing and banking solutions to middle market healthcare companies across the U.S. Using a client-focused and industry-centric model, Healthcare Finance can tailor its products and services to help clients meet their needs for growth capital.
This role combines leadership with hands-on execution, supporting both new loan originations and ongoing portfolio management. The Director will underwrite and close stabilized and construction loan transactions, while also preparing to lead and develop a team of junior analysts and associates. This position plays a critical role in balancing revenue generation with sound risk management practices across the healthcare real estate portfolio.
Responsibilities:
Key Responsibilities
Leadership & Oversight
- Provide strategic direction and oversight to Healthcare Underwriting and Portfolio Management teams
- Ensure adherence to underwriting standards, credit policies, and service level agreements
- Make informed decisions on complex credit structures and loan approvals
- Transition into management of 3+ junior analysts/associates, providing mentorship and performance guidance
Underwriting & Deal Execution
- Lead underwriting and closing of new loan originations, including stabilized and construction financing
- Structure credit facilities to align with risk tolerance and return objectives
- Partner with originators, credit teams, and senior leadership to advance transactions
Portfolio Management
- Support ongoing portfolio monitoring, analysis, and reporting
- Address portfolio needs and identify opportunities for optimization
- Ensure risk is properly assessed and managed across the healthcare real estate portfolio
Collaboration & Communication
- Serve as a key liaison between originators, credit partners, leadership, and clients
- Operate effectively in a fast-paced, team-oriented environment
- Deliver clear, concise analysis and recommendations for decision-making
Qualifications:
Required
- Bachelor’s degree with 8+ years of experience in credit analysis, underwriting, or risk management
OR - High school diploma/GED with 12+ years of relevant experience
Preferred
- Master’s degree
- Formal bank credit training
- Prior experience managing junior team members
- Strong background in commercial real estate lending, including construction financing
- Experience underwriting healthcare real estate assets (e.g., MOBs, inpatient rehab, senior housing)
- 7 years in CRE finance with a focus on credit underwriting
- Advanced analytical, financial modeling, and communication skills
- Proficiency in Microsoft Excel and experience with Argus
The base pay for this position is generally between $180,000.00 and $225,000.00. 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.
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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.
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First Citizens Bank
First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. As the largest family-controlled bank in the United States, First Citizens is continuing a unique legacy of strength, stability, and long-term thinking that has spanned generations. Founded in 1898 and headquartered in Raleigh, N.C., First Citizens also operates a nationwide direct bank and a network over 550 branches in 22 states. Industry specialists bring a depth of expertise that helps businesses and individuals meet their specific goals at every stage of their financial journey. First Citizens Bank brings together personal service and powerful tools to help customers do more with their money – and make more of their future.
Looking for a career with CIT? CIT is now a division of First Citizens Bank.
First Citizens Bank. Forever First®
10,000 employees or more
Paid Sick Days, Prescription Drug Coverage, Professional Development, 401K, Flexible Spending Accounts, Retirement / Pension Plans, Life Insurance
https://www.firstcitizens.com