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Operating Partner

New Rochelle, NY · Remote

$65K - $250K/yr

... in the lower middle market, even if they've never done a deal before. Who We're Looking For ... World-Class Deal Team - Our team has closed 200+ acquisitions totaling $8B+ for firms like Goldman ...

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Lower Middle Class information

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$19.5K

$84.5K

$311K

How much do lower middle class jobs pay per year?

As of Aug 12, 2026, the average yearly pay for lower middle class in the United States is $84,463.00, according to ZipRecruiter salary data. Most workers in this role earn between $38,000.00 and $88,000.00 per year, depending on experience, location, and employer.

What is the difference between Lower Middle Class vs Retail Sales Associate?

AspectLower Middle ClassRetail Sales Associate
Typical CredentialsHigh school diploma or equivalentHigh school diploma often preferred
Work EnvironmentOffice settings, administrative rolesRetail stores, customer service
Industry UsageVarious sectors including finance, educationRetail industry primarily

The Lower Middle Class generally includes individuals with office-based jobs requiring basic education, while Retail Sales Associates work in retail environments focusing on customer service. The main difference lies in the work setting and industry focus, with the Lower Middle Class having broader employment options beyond retail.

What are some common challenges faced by Customer Service Representatives when handling high call volumes, and how can they effectively manage stress in this environment?

Customer Service Representatives often encounter high call volumes, especially during peak business hours or promotional periods. This can lead to increased pressure to resolve issues quickly while maintaining professionalism and empathy. To manage stress, it is helpful to prioritize calls based on urgency, use call-handling scripts for efficiency, and take scheduled breaks to recharge. Supportive team environments and regular training also play a crucial role in helping representatives stay resilient and maintain high-quality service.

What does lower middle class mean?

The term 'lower middle class' typically refers to a socioeconomic group that falls between the working class and the middle class. People in this group often have moderate incomes, may hold clerical, administrative, or low-level supervisory jobs, and may have some post-secondary education or vocational training. They generally have enough income to cover basic needs and some discretionary spending, but may face financial challenges with unexpected expenses. The exact definition can vary depending on country and economic context.

What are the key skills and qualifications needed to thrive as a lower middle class worker, and why are they important?

To thrive in a lower middle class occupation, you typically need a solid work ethic, basic educational credentials such as a high school diploma or vocational training, and job-specific competencies. Familiarity with workplace technologies like point-of-sale systems, inventory software, or trade-specific tools is often required. Reliability, adaptability, and strong interpersonal skills help individuals excel in customer service and team-oriented environments. These skills and qualities are crucial for maintaining steady employment, advancing in one's career, and ensuring job stability in competitive sectors.

What is lower middle class?

A lower middle-class job typically refers to occupations that provide modest financial stability but do not offer significant wealth or economic security. These jobs often require some level of education or skill but may not offer high salaries, benefits, or long-term financial growth. Examples include administrative assistants, retail managers, basic technical positions, and skilled trades. Workers in these roles often earn slightly above minimum wage but may still struggle with savings and unexpected expenses.

More about Lower Middle Class jobs
What cities are hiring for Lower Middle Class jobs? Cities with the most Lower Middle Class job openings:
What states have the most Lower Middle Class jobs? States with the most job openings for Lower Middle Class jobs include:
What job categories do people searching Lower Middle Class jobs look for? The top searched job categories for Lower Middle Class jobs are:
Lower Middle Class jobs near you
Infographic showing various Lower Middle Class job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 67% Full Time, 31% Part Time, and 1% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $84,463 per year, or $40.6 per hour.

Underwriter Portfolio Manager II-Sponsor

First Citizens Bank

Chicago, IL • Hybrid

$90K - $110K/yr

Full-time

Re-posted 18 days ago

First Citizens Bank rating

7.4

Company rating: 7.4 out of 10

Based on 106 frontline employees who took The Breakroom Quiz

109th of 171 rated banks

Job description

Overview

This is a hybrid role with the expectation that time working will regularly take place inside and outside of the company office.

First Citizens offers you the strength and stability of a diversified financial institution with a 125-year tradition of service and the personalized approach of a nimble financial partner.

First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of more than 550 branches in 23 states and commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $230 billion in assets.

First Citizens Sponsor Finance provides cash flow senior debt for private equity-backed transactions in the middle market and lower middle market throughout the United States.

As an Underwriter Portfolio Manager II, this is an opportunity to work within a small and growing group for a top 20 Bank, with significant advancement opportunities both in the department and other functional areas of First Citizen’s Commercial Bank. 

Candidates will work within a team construct to assist in the credit underwriting and portfolio management of diverse debt solutions for middle-market companies. Specifically: (i) LBO Financing, (ii) Acquisition Financing, (iii) Debt Refinancing, and (iv) Recapitalizations-working with potential borrowers, private equity teams, and other Lenders.


Responsibilities
  • Prepare cash flow models, conduct independent industry research, will assist in the underwriting of credits, and will manage accounts post close
  • Specific new business underwriting duties include: i) financial modeling; ii) independent industry research; iii) compiling and presenting approval requests; iv) preparing and negotiating legal documents; and v) funding and closing transactions   
  • Specific portfolio management duties include: i) preparing waiver and amendment requests or underwriting add-on opportunities; ii) monitoring individual accounts for performance trends to ensure accurate and timely risk ratings; and iii) maintaining credit files in preparation for internal or external audits
  • Ensure compliance with all FCB policies and procedures
  • Firm understanding of FCB systems and resources
  • Risk Management - Identifies risks through periodic reviews, analysis, and research of new and existing loans. Communicates identified risks, financial performance and credit agreement compliance, and potential changes in the portfolio. Identifies emerging credit problems and industry trends. Adheres to all external regulations and internal policies and procedures ensuring compliance

Qualifications

Bachelor's Degree and 1 years of experience in Credit analysis, underwriting or Risk Management OR High School Diploma or GED and 5 years of experience in Credit analysis, underwriting or Risk Management

Preferred Skills:

  • Bachelor’s degree in Business, Economics, Finance
  • Finance / Banking experience
  • 1 plus years experience in commercial underwriting / leverage finance
  • Strong analytical skills and underwriting knowledge in commercial lending or related financial environment
  • Demonstrated quantitative skills with attention to detail
  • Excellent oral and written communications skills 
  • Time management skills to efficiently handle multiple tasks with changing priorities. Demonstrated ability to anticipate and problem solve to then take initiative to drive processes forward and make recommendations 
  • Detailed knowledge of Microsoft Office Applications  
  • Attention to detail and ability to solve problems
  • Completion of a formal credit training program
  • Ability to function both independently and as part of a deal team.

The base pay for this position is generally between $90,000.00 and $110,000.00. 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.

#LI-Hybrid

Qualifications:

Bachelor's Degree and 1 years of experience in Credit analysis, underwriting or Risk Management OR High School Diploma or GED and 5 years of experience in Credit analysis, underwriting or Risk Management

Preferred Skills:

  • Bachelor’s degree in Business, Economics, Finance
  • Finance / Banking experience
  • 1 plus years experience in commercial underwriting / leverage finance
  • Strong analytical skills and underwriting knowledge in commercial lending or related financial environment
  • Demonstrated quantitative skills with attention to detail
  • Excellent oral and written communications skills 
  • Time management skills to efficiently handle multiple tasks with changing priorities. Demonstrated ability to anticipate and problem solve to then take initiative to drive processes forward and make recommendations 
  • Detailed knowledge of Microsoft Office Applications  
  • Attention to detail and ability to solve problems
  • Completion of a formal credit training program
  • Ability to function both independently and as part of a deal team.

The base pay for this position is generally between $90,000.00 and $110,000.00. 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.

#LI-Hybrid

Education:UNAVAILABLEEmployment Type: FULL_TIME

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