Commercial Credit Underwriting Portfolio Manager 2

Primary Office Location

401 S Graham St. Charlotte, North Carolina. 28202.

Commercial Credit Underwriting Portfolio Manager 2

Credit

Reports to:

Commercial Credit Underwriting Portfolio Manager Team Leader

Responsible for managing a designated Commercial loan portfolio, including portfolio management, credit underwriting, 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 lower complexity as the incumbent’s work requires significant oversight. The incumbent typically works on loans/portfolios of medium complexity as the incumbent’s work requires some oversight.

• Responsible for underwriting, monitoring, and analyzing assigned Commercial portfolio.
• Ensure risks are identified timely, maintaining a high degree of accuracy and quality underwriting, and portfolio management practices are aligned with the bank's risk appetite and regulatory standards.
• Maintain professional development and measurable objectives.
• Lead on complex transactions including syndications, multi-level capital structures, and/or Middle Market relationships while demonstrating excellent communication skills to voice opinion in a clear, concise manner to effectively solve problems/make recommendations regarding credit structure, risk, appropriate risk ratings and policy compliance.
• Monitors and ensures assigned portfolio is within acceptable tolerances as well as published KPIs/KRIs.
• Assists Commercial Relationship Managers in the management of 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 for depth of underwriting, identification of Policy Exceptions, and appropriate underwriting stress analysis of credits underwritten.
• Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements.
• Acts as a mentor to junior Underwriting Portfolio Managers.
• Effectively present proposed credit actions in written analysis document and as necessary, verbally to committee and meetings.
• Performs other related duties and projects as assigned.

BA or BS

3

• Excellent project management skills
• Excellent communication skills, both written and verbal
• Excellent organizational, analytical and interpersonal skills
• Excellent customer service skills
• Ability to use a personal computer and job-related software MS Word
  - Basic Level
• MS Excel
  - Intermediate Level
• MS Power Point
  - Basic Level
• Knowledge of a wide range of commercial lending (C&I & Cap markets), underwriting practices, and banking practices
• Knowledge of commercial banking policies, procedures and government regulations

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.