Business Banking Underwriter 2

First National Bank Of Pennsylvania; Charlotte (NC); On-site; USD 70,000 - 100,000; Full time

Job summary

F.N.B.

Corporation seeks a Business Banking Underwriter 2 responsible for preparing financial analyses of current and prospective commercial loan customers, spreading financial statements, analyzing industry conditions, and performing credit investigations to assess borrower creditworthiness with a focus on high service quality.

Qualifications

• BA or BS required.
• 3 years of underwriting experience.
• Excellent project management, communication, organizational, analytical and interpersonal skills.
• Knowledge of commercial lending, underwriting practices and banking regulations.

Responsibilities

• Analyzes the creditworthiness of borrowers and prepares written analysis according to policies and procedures.
• Utilizes software to complete financial spreads, risk ratings, covenant tests, cash flow analyses and underwriting documentation.
• Researches available data from internet sources and subscription utilities to summarize industry and borrower status and economic trends.
• Maintains knowledge in banking matters, compliance, credit analysis, policies and procedures and personal skills.
• Collaborates with the manager on group initiatives for process improvements and output.
• Performs other related duties and projects as assigned.
• All employees are risk managers and must comply with the bank's risk management program.

Skills

Credit analysis

Financial statement spreading

Cash flow analysis

Industry & economic research

Communication skills

Interpersonal skills

MS Excel

MS Word

MS PowerPoint

Regulatory knowledge

Education

BA or BS

Job description

Position Title

Business Banking Underwriter 2

Business Unit

Credit Reports to: Business Banking Underwriting Team Leader

Primary Office Location

401 S Graham St. Charlotte, North Carolina. 28202. Join our team. Make a difference - for us and for your future.

Position Overview

Responsible for preparing financial analyses of current and prospective commercial loan customers, spreading financial statements, analyzing industry and economic conditions, completing cash flow analysis, completing full underwriting presentation and performing credit investigations to make appropriate recommendations as to the creditworthiness of borrowers and protect the Bank from loss. The incumbent provides the highest quality of service to every customer. The incumbent typically works on loans/portfolios of medium complexity as the incumbent’s work requires some oversight.

Primary Responsibilities

• Analyzes the creditworthiness of borrowers, identifies key credit issues and prepares full written analysis according to available information and established policies and procedures accurately and timely including completion of the entire underwriting document.
• Utilizes software to complete financial spreads, risk ratings, covenant tests, cash flow and global cash flow accurately and timely to aid in the analysis of a borrower’s creditworthiness according to established policies and procedures.
• Research available data including internet sources and subscription-based utilities as available and summarizes information regarding current and projected status of certain industries and borrowers of Bank services along with general economic trends and conditions according to the availability of research data to aid in the quality of lending decisions.
• Develops a personal program for maintaining an adequate level of knowledge in banking matters, compliance, credit analysis, policies and procedures and personal skills and demonstrates interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance.
• Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements.
• 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

3

Skills Required to Perform the Primary Responsibilities of this Position

• 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, IRE, Muni, and NFP), underwriting practices, and banking practices
• Knowledge of commercial banking policies, procedures and government regulations

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

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.

About Us

As a leading diversified financial services company, F.N.B. Corporation (FNB) offers a wide range of opportunities for individuals who want to grow their careers. The FNB team is a group of highly qualified professionals who work together to provide comprehensive financial solutions across our corporate footprint, which includes Pennsylvania, Ohio, Maryland, West Virginia, Virginia, North Carolina, and South Carolina. Our consistent recognition as a best place to work and top workplace by our own employees symbolizes the outstanding culture we represent.