Investment Real Estate Underwriting Portfolio Manager

Position Overview

Responsible for managing a designated Commercial Investment Real Estate loan portfolio, including portfolio management, credit underwriting, construction monitoring, and ensuring compliance with bank and regulatory guidelines. Responsible for the quality of underwriting and ongoing portfolio management metrics for portfolio under purview. Assists Commercial Relationship Managers in the management of client relationships while maintaining a high degree of creditability. Acts as a mentor to junior team members.

The incumbent typically works on loans/portfolios of medium complexity as the incumbent's work requires some oversight.

• Underwrite, monitor, and analyze the assigned Investment Real Estate portfolio. Ensure risks are identified timely, maintain a high degree of accuracy and quality underwriting, and ensure portfolio management practices align with the bank s risk appetite and heightened regulatory standards.
• Lead complex transactions including construction loans and related monitoring, multi-level capital structures, and/or large developments; communicate clearly to solve problems and make recommendations regarding credit structure, risk, appropriate risk ratings, and policy compliance.
• Monitor and ensure the assigned portfolio remains within acceptable tolerances and aligns with published KPIs/KRIs.
• Assist Commercial Relationship Managers in managing client relationships while maintaining a high degree of creditability; optimize customer relationships working directly with Relationship Managers.
• Ensure sustained satisfactory reviews by regulators, internal auditors, external auditors, and loan review; evaluate depth of underwriting, identify policy exceptions, and perform appropriate underwriting stress analysis of credits underwritten.
• Collaborate with the manager on group-wide initiatives for process, roles and responsibilities, and output improvements. Act as a mentor to junior Underwriting Portfolio Managers.
• Present proposed credit actions in written analysis documents and, as necessary, verbally in various committees and meetings.
• Perform other related duties and projects as assigned.

All employees have the responsibility and accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation s risk management program. Compliance with regulatory laws and company procedures is a required component of all position descriptions. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines.

• Education: BA or BS
• Experience: 3 years of job-related experience
• Skills: Excellent project management; excellent written and verbal communication; strong organizational, analytical and interpersonal skills; excellent customer service; ability to use a personal computer and job-related software; MS Word (Basic); MS Excel (Intermediate); MS PowerPoint (Basic); knowledge of Investment Real Estate lending, underwriting practices, and banking practices; knowledge of commercial banking policies, procedures and government regulations

Licensures/Certifications

Required:

N/A

Travel may be required on occasion.

It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements.

FNB provides all applicants and employees a discrimination and harassment free workplace.

FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.