Investment Real Estate Underwriting Portfolio Manager

Position Title

Investment Real Estate Underwriting Portfolio Manager 3

Credit

Investment Real Estate Underwriting Portfolio Manager Team Leader

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 significant complexity as the incumbent’s work requires little oversight.

• Underwrite, monitor, and analyze assigned Investment Real Estate portfolio; ensure risks are identified timely and maintain a high degree of accuracy and quality underwriting, aligned with the bank's risk appetite and regulatory standards.
• Lead complex transactions including construction loans, multi-level capital structures, and large developments, while communicating clearly to solve problems and recommend credit structures, risks, ratings and policy compliance.
• Monitor and ensure the portfolio remains within acceptable tolerances and published KPIs/KRIs.
• Assist Commercial Relationship Managers in client relationship management, optimizing relationships and working directly with Relationship Managers.
• Ensure satisfactory reviews by regulators, internal auditors, external auditors and loan review bodies for underwriting depth, policy exception identification and underwriting stress analysis.
• Collaborate on group-wide initiatives to improve processes, roles and responsibilities, or output; mentor junior Underwriting Portfolio Managers.
• Present proposed credit actions in written analysis documents and verbally in committees and meetings.
• Perform other related duties and projects as assigned.

All employees have the responsibility and the 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. 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.

BA or BS

5

• 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 Investment Real Estate lending, 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.