Investment Real Estate Underwriting Portfolio Manager

Primary Office

Location:

401 S Graham St. Charlotte, North Carolina 28202.

Join our team. Make a difference - for us and for your future.

Position Title: Investment Real Estate Underwriting Portfolio Manager 3

Business Unit: Credit

Reports to: 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.

• Responsible for underwriting, monitoring, and analyzing assigned Investment Real Estate 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 heightened regulatory standards. Maintain professional development and measurable objectives.
• Leader on complex transactions including construction loans and related monitoring, multi-level capital structures, and/or large developments while demonstrating excellent communication skills 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 in various committee and meetings.
• Performs 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.