Business Banking Underwriter 1

F.N.B. Corporation; Cleveland (OH); Presencial; USD 52 000 - 78 000; Tempo integral

Resumo da oferta

F.N.B. Corporation is seeking a Business Banker 1 in our Commercial Banking unit. This role develops and maintains business relationships, analyzes loan requests, and promotes banking products to grow deposits and loans, contributing to profitability.

The incumbent provides high-quality service, maintains loan portfolio performance, and collaborates with colleagues to support risk management and growth in line with bank policies.

Qualificações

• BA or BS required.
• 1 year of experience in business banking.
• Excellent communication and customer service skills.
• Strong analytical and interpersonal abilities.
• Proficiency with MS Word, Excel, and PowerPoint.
• Knowledge of lending regulations and compliance.

Responsabilidades

• Develop, manage, and maintain customer relationships; identify banking needs; cross-sell products to grow loan and deposit portfolios.
• Analyze creditworthiness and assess repayment ability per policies; monitor portfolio performance and profitability.
• Provide sound credit analysis and maintain documentation per procedures and regulations.
• Monitor loan performance and resolve borrower issues to minimize risk.
• Represent the bank in community activities to promote relationships and business growth.
• Maintain knowledge in business development, lending, and banking practices to ensure performance.
• Perform duties and projects assigned; act as risk manager per bank program.

Conhecimentos

Excellent project management

Excellent communication

Excellent customer service

Organizational, analytical, and inter‑

Personal computer skills

MS Word

MS Excel

MS PowerPoint

Commercial banking experience

Lending laws knowledge

Business development & community work

Formação académica

BA or BS

Descrição da oferta de emprego

Primary Office Location

626 Washington Place. Pittsburgh, Pennsylvania. 15219.

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

Position Title

Business Banker 1

Business Unit

Commercial Banking

Reports To

Commercial Banking Team Leader

Position Overview

This position is primarily responsible for developing, managing and maintaining business relationships, developing and administering a portfolio of loans, analyzing credit worthiness, monitoring loan performance and promoting the Bank’s image in order to develop new and expand existing loan deposit and overall business relationships and contribute to the Bank’s profit and growth objectives. The incumbent provides the highest quality of service to every customer.

Primary Responsibilities

• Develops, manages and maintains business relationships by profiling and maintaining relationships, determining banking needs, selling products and services to meet needs, resolving poor performance and other problems in a professional manner to develop new and expend existing loan deposit and overall business relationships and contribute to the Bank’s profit and growth objectives.
• Develops and administers a portfolio of loans by making sound credit analysis of customer’s financial condition and ability to repay according to established policies, procedures and objectives such as portfolio yield, loss ratio and delinquency while providing excellent customer service contributing to the Bank's profit and growth objectives.
• Analyzes credit worthiness by determining the soundness of the loan, understanding the customer’s financial condition, collateral position and the ability to repay in accordance with the Bank’s credit quality, profitability and growth objectives and established policies and procedures and government regulations to create a portfolio of quality loans that meet or exceed the standards of the Bank.
• Monitors loan performance by maintaining contact with borrowers, understanding their financial condition and resolving problems in accordance with established policies and procedures and in an accurate and timely manner in order to reduce risk from collateral deterioration or the borrower’s inability to pay.
• Promotes the Bank’s image by participating in community development activities and service organizations without jeopardizing other responsibilities and in compliance with the Community Reinvestment Act requirements in order to present a favorable image in the community and establish contacts that could generate new business.
• Develops and maintains a personal program for maintaining an adequate level of knowledge in business development, lending and other banking matters and demonstrates personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.
• 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 Education

BA or BS

Minimum Years Experience

1

Special Skills

• Excellent project management skills
• Excellent communication skills, both written and verbal
• Excellent customer service skills
• Excellent organizational, analytical and interpersonal skills
• Ability to use a personal computer and job-related software
• MS Word - Basic Level
• MS Excel - Intermediate Level
• MS PowerPoint - Basic Level
• Experience in commercial or business banking.
• General knowledge of lending laws and regulations.
• Experience in successful business development and community and civic activities preferred.

Special Licenses And Certificates

N/A

Physical Requirements

N/A

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.

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.