Business Banking Underwriting Team Leader

First National Bank; Charlotte (NC); Presencial; USD 100 000 - 130 000; Tempo integral

Resumo da oferta

First National Bank in Charlotte, NC is seeking a Business Banking Underwriting Team Leader to supervise a team of underwriters responsible for financial analyses of commercial loan customers and risk assessment within a defined region. You will guide the underwriting process, ensure compliance, and support ongoing performance metrics.

The role requires strong leadership, expert knowledge of commercial real estate lending, and the ability to communicate complex credit recommendations to

Qualificações

• Bachelor's degree required or equivalent
• 7 years of related experience preferred
• Proven ability to manage underwriting processes and teams
• Strong understanding of commercial real estate lending and underwriting practices

Responsabilidades

• Manages a team of Business Banking Underwriters and ensures regional performance.
• Provides training and guidance in credit analyses for direct reports and Relationship Managers.
• Reviews output and recommends improvements to underwriting processes and accuracy.
• Analyzes creditworthiness and prepares full underwriting analyses with adherence to policies.
• Acts as a senior loan adjudication resource within authorized credit risk parameters.

Conhecimentos

Project management

Written and verbal communication

Organizational and analytical skills

Customer service

PC/software proficiency

MS Word

MS Excel

MS PowerPoint

Commercial & Investment Real EstateL &

Credit approval authority

Formação académica

BA or BS

Ferramentas

MS Word

MS Excel

MS PowerPoint

Descrição da oferta de emprego

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: Business Banking Underwriting Team Leader

Business Unit: Credit

Reports to: Manager of Business Banking Underwriting

Position Overview

Manages a team of Business Banking Underwriters who prepare financial analyses for current and prospective commercial loan customers and make recommendations as to the creditworthiness of borrowers within a designated region. Communicates and executes credit underwriting risk strategies while ensuring compliance with regulatory guidelines. Responsible for the quality of underwriting and ongoing performance metrics for team. Position will have approval authority and recommend appropriate structures and risk/ mitigants where applicable.

Primary Responsibilities

Manages a team of Business Banking Underwriter and ensure 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 Business Banking Relationship Managers.

Manages, distributes and monitors workflow for assigned regional team of underwriters. Reviews output from direct reports and makes recommendations for improvements.

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 and all components thereof with the focus on larger relationships and the most complex transactions with limited oversight.

Acts as a senior loan adjudication resource in the Business Banking Loan process within prescribed lending authority and credit risk appetite.

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

7

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

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

Past credit approval authority preferred

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

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work

Travel may be required on occasion

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.