Role Description This is a remote role that will be hired in North Carolina or Utah; with a preference for those located within commuting distance of Salt Lake City, Utah. This Commercial Underwriter I will support the underwriting and portfolio management of our cash management product portfolio, which includes small business and corporate credit cards, ACH, and letters of credit. We are looking for the right individual to contribute to this exciting opportunity by supporting some of the most influential entrepreneurs and investors to launch and grow their business. We support companies in the innovation space including technology, software, fintech, life science, as well as premium wine clients. - Underwrite and prepare detailed credit presentations on cash management products based on established bank credit policies and procedures. - Work and collaborate closely with bankers, relationship managers, underwriting managers, and senior credit officers. - Manage and monitor an assigned portfolio of cash management accounts to ensure all documentation is up to date. - Conduct and/or assist with underwriting due diligence, structuring, and documenting credit recommendations on new and existing case requests for standard credits. - Monitor assigned cash management product portfolio’s credit quality to ensure proactive and timely risk mitigation action when necessary. - Prepare thorough and clearly articulated credit presentations with thoughtful and appropriate recommendations following established credit policies and procedures. - Ensure compliance with relevant banking regulations including but not limited to Regulation B, Regulation O, Regulation W, and other fair lending regulations. Qualifications - Bachelor's Degree and 2 years of experience in Credit Analysis and General Commercial Banking OR High School Diploma or GED and 6 years of experience in Credit Analysis and General Commercial Banking. - Preferred: BS/BA Degree in related fields such as Finance, Accounting, Statistics, Math or Economics. - Experience in underwriting and portfolio management Cards, ACH, or letters of credit. - Working knowledge of commercial financial statement analysis, portfolio management, banking cash management products. - Knowledge and understanding of relevant banking regulations including but not limited to Regulation B, Regulation O, Regulation W, ECOA and other fair lending regulations. - Strong business writing skills. - Strong professional communication and collaboration skills. - Ability to multi-task, manage and track numerous cases at a time. - Ability to learn and quickly digest new information in a continuously changing fast-paced environment. - Demonstrated proficiency working with computers and standard Microsoft Office applications (Outlook, Excel, Word, and PowerPoint). - Knowledge of Power BI, Tableau, SAS, SQL or other data management applications or computer language. Requirements - Underwrites commercial credit actions according to applicable regulations, procedures, and guidelines. - Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend credit grades and appropriate loan structuring. - Ensures all involved parties are updated on underwriting progress and outcome. - 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. - Identifies risks through reviews, analysis, and research of new and existing commercial loans. - Communicates identified risks, 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. - May assist in the identification of cross-sales opportunities and servicing information. - Prepares credit analysis documentation. - Partners with associates and clients to determine needs and structuring of new requests, participating in client and prospect calls as needed. Benefits - 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 First Citizens Bank Benefits .

• **360° Planning:** Build sales volumes (Sell-in and Sell-out) for regular items, launches and promotions for the Boticário and O.U.I brands; • **Indicator Management:** Monitor and mitigate demand errors by analyzing deviations and defining immediate action plans; • **Strategic Interface:** Act as a connection hub between Marketing, Portfolio, Channel and Supply Chain; • **Data Intelligence:** Work with large datasets to produce clear views on inventory turnover and inventory accuracy.

• Receive, analyze and execute technical requests submitted through the company's management systems • Configure, parameterize and deploy features of Geopixel systems • Prepare, validate, verify and load data • Run SQL queries for analysis and data validation • Manipulate and validate spatial and cartographic data • Perform functional and operational tests to ensure delivery quality • Document test results and the procedures performed • Support the implementation and validation of municipal digital processes • Participate in the analysis of business rules related to municipal public processes • Collaborate with Product, Development, Projects and Business teams to evolve solutions • Identify configuration, data or system behavior issues, treating or escalating them when necessary • Support maintenance activities for environments, databases and applications • Perform basic installation and configuration of applications and services • Assist with monitoring and organizing cloud-hosted environments • Safeguard the security and integrity of information stored in Geopixel solutions • Continuously seek improvements, automation and greater efficiency in implementation processes.

• Collaborate with stakeholders to gather and prioritize requirements for AI Agent development and low-code automation initiatives. • Translate business problems into data-driven solutions using AI/ML models, low-code platforms and connectors. • Participate in discovery activities, including user interviews and journey mapping, to define KPIs and success metrics. • Design & develop and test use cases using tools like Copilot, Power Apps, and other low-code platforms. • Conduct testing, user segmentation, and product utilization analysis to inform product decisions. • Demo functionality to end users and communicate findings to both technical and non-technical audiences. • Support UAT for new modules and ensure alignment with business requirements. • Contribute to a culture of innovation, collaboration, and continuous improvement.​