Commercial Credit Underwriting Portfolio Manager

Position: Commercial Credit Underwriting Portfolio Manager 1

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Primary Office

Location:

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

Position Title

Commercial Credit Underwriting Portfolio Manager 1

Business Unit

Credit

Reports to

Commercial Credit Underwriting Portfolio Manager Team Leader

Position Overview

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. The incumbent typically works on loans/portfolios of lower complexity as the incumbent’s work requires significant oversight.

Primary

Responsibilities

• Underwriting, monitoring, and analyzing assigned Commercial portfolio.
• Ensure risks are identified timely, maintaining high accuracy and quality underwriting, and aligning portfolio management practices 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 clearly and concisely, solving problems and making recommendations regarding credit structure, risk, appropriate risk ratings and policy compliance.
• Monitor and ensure the assigned portfolio stays within acceptable tolerances and published KPIs/KRIs.
• Assist Commercial Relationship Managers in client relationship management while maintaining a high degree of creditability and optimizing relationships directly with Relationship Managers.
• Ensure sustained satisfactory reviews by regulators, internal auditors, external auditors, and loan reviews for depth of underwriting, identification of policy exceptions, and appropriate underwriting stress analysis of credits underwritten.
• Work with management on group-wide initiatives for process, role and responsibility enhancements, and/or output improvements.
• Effectively present proposed credit actions in written analysis documents and verbally to committees and meetings as necessary.
• 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 risk encountered daily as required by F.N.B. Corporation’s risk management program.
• F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Level of Education Required

BA or BS

Minimum Years of Job Related Experience Required

1

Skills Required

• 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 PowerPoint – 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

Licensures/Certifications Required

N/A

Physical Requirements Or Work Conditions Beyond Traditional Office Work

Travel may be required on occasion.

Equal Employment Opportunity (EEO)

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.

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