Manager of Business Banking Underwriting

2 weeks ago


Pittsburgh, United States First National Bank of Pennsylvania Full time
Primary Office Location: 100 Federal Street. Pittsburgh, Pennsylvania. 15212. Join our team. Make a difference - for us and for your future.

Position Title:Manager of Business Banking Underwriting

Business Unit:Credit

Reports to:Director of Commercial Credit Underwriting and Portfolio Management

Position Overview:

Responsible for the Business Banking loan underwriting function, risk management and optimizing delivery of approvals aligned to bank standards, policies, and regulations, making recommendations when warranted. Position oversees new loan underwriting and existing portfolio metrics by managing team leaders to ensure timely and accurate risk ratings on a wide range of loan requests while managing group wide workflow, performance metrics and training initiatives. Position will have and oversee approval authority and recommend appropriate structures and risk/mitigants where applicable.

Primary Responsibilities:

Ensures underwriting product is consistent and sustains satisfactory reviews by regulators, internal andexternal auditors and loan review for depth of underwriting, appropriateness of structure, identification of policy exceptions and critical data points stress tested analysis of credits underwritten. Makes recommendations for process and policy improvements to capture risk appetite.

Manages a team of Business Banking Underwriting Team Leaders and ensures group wide performance and portfolio metrics are achieved. Provides training and guidance in completion of credit analyses for direct reports and other team members, including Relationship Managers.

Acts as a senior loan adjudication resource in the business banking loan process within prescribed lending authority and credit risk appetite. Oversees and manages certain approval authority for Team Leaders.

Assists department Director in communicating risk appetite to team and Business Bankers to ensure salient credit risks are fully discussed in the underwriting process. Reinforces adherence to credit quality standards and concentration limits within the portfolio.

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.

Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:

BA or BS

Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:

10

Skills Required to Perform the Primary Responsibilities of this Position:

Excellent management skills

Excellent communication skills, both written and verbal

Excellent organizational, analytical and interpersonal skills

Ability to work and multi-task in a fast paced environment

Ability to use a personal computer and job-related software

MS Word - Intermediate Level

MS Excel - Intermediate Level

MS PowerPoint - Intermediate Level

Exceptional knowledge wide range of Commercial and Investment Real Estate lending and underwriting practices

Past credit approval authority required

Prior experience as a Business Banking RM preferred

Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work:

N/A

Equal Employment Opportunity (EEO):

It is the policy of FNB not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, or status as a protected veteran. FNB provides all applicants and employees a discrimination and harassment free workplace.



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