Business Banking Underwriter: Build Credit Solutions

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

Job summary

F.N.B. Corporation is seeking a Business Banking Underwriter to prepare financial analyses of commercial loan customers, spread financial statements, analyze industry trends, and complete underwriting presentations.

The role focuses on lower- to mid-complexity loans with close oversight while ensuring high-quality service and regulatory compliance. The candidate will use financial software for spreads, risk ratings, and cash flow analysis, research data sources, and maintain banking knowledge.

Qualifications

• BA or BS required.
• 1 year of related experience.

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.
• Develops a personal program for maintaining an adequate level of knowledge in banking matters, compliance, credit analysis, policies and procedures and personal skills.
• 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.

Skills

Project management

Communication

Analytical skills

Interpersonal skills

Customer service

MS Word

MS Excel

MS PowerPoint

Commercial lending knowledge

Banking policies & regulations

Education

BA or BS

Job description

F.N.B. Corporation is seeking a Business Banking Underwriter to prepare financial analyses of commercial loan customers, spread financial statements, analyze industry trends, and complete underwriting presentations.

The role focuses on lower- to mid-complexity loans with close oversight while ensuring high-quality service and regulatory compliance. The candidate will use financial software for spreads, risk ratings, and cash flow analysis, research data sources, and maintain banking knowledge.