Commercial Credit Underwriting Portfolio Manager 3

First National Bank; Baltimore (MD); On-site; USD 94,000 - 157,000; Full time

Benefits offered by this job

Overtime

Incentive

Equity

Benefits

Job summary

First National Bank is seeking a Commercial Credit Underwriting Portfolio Manager 3 to manage a complex commercial loan portfolio, perform underwriting, and ensure regulatory compliance. You will mentor junior staff and collaborate with Relationship Managers to optimize client relationships.

Responsibilities include presenting credit actions, monitoring KPIs, and ensuring high-quality underwriting with strong communication to stakeholders. Requires BA/BS and 5 years of relevant experience.

Qualifications

• BA or BS required for job responsibilities.
• Minimum of 5 years related experience in credit underwriting or portfolio management.
• Strong knowledge of commercial lending, underwriting practices, and banking regulations.

Responsibilities

• Underwrite, monitor, and analyze a designated Commercial loan portfolio.
• Ensure timely risk identification and high-quality underwriting and portfolio management.
• Mentor junior team members and support Relationship Managers.
• Present credit actions clearly to committees and stakeholders.
• Maintain KPIs/KRIs and ensure regulatory compliance.

Skills

Project management

Written and verbal communication

Organizational skills

Analytical skills

Interpersonal skills

Customer service

MS Word

MS Excel

MS PowerPoint

Knowledge of commercial lending

Banking policies & regulations

Education

BA or BS

Tools

MS Word

MS Excel

MS PowerPoint

Job description

Primary Office Location: 300 E. Lombard Street. Baltimore, Maryland. 21202.

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

Position Title: Commercial Credit Underwriting Portfolio Manager 3

Business Unit: Credit

Reports to: Commercial Credit Underwriting Portfolio Manager Team Leader

Position Overview:

Responsible for managing a designated Commercial loan portfolio, including portfolio management, credit underwriting, and ensuring compliance with bank and regulatory guidelines. Responsible for the quality of underwriting and ongoing portfolio management metrics for portfolio under purview. Assists Commercial Relationship Managers in the management of client relationships while maintaining a high degree of creditability. Act as a mentor to junior team members. The incumbent typically works on loans/portfolios of significant complexity as the incumbent's work requires little oversight.

Primary Responsibilities:

Responsible for underwriting, monitoring, and analyzing assigned Commercial portfolio. Ensure risks are identify timely, maintaining a high degree of accuracy and quality underwriting, and portfolio management practices are aligned with the bank's risk appetite and regulatory standards. Maintain professional development and measurable objectives.

Leader on complex transactions including syndications, multi-level capital structures, and/or Middle Market relationships while demonstrating excellent communication skills to voice opinion in a clear, concise manner to effectively solve problems/make recommendations regarding credit structure, risk, appropriate risk ratings and policy compliance.

Monitors and ensures assigned portfolio is within acceptable tolerances as well as published KPIs/KRIs.

Assists Commercial Relationship Managers in the management of client relationships while maintaining a high degree of creditability. Optimize customer relationships working directly with Relationship Managers.

Ensure sustained satisfactory reviews by regulators, internal auditors, external auditors, and loan review for depth of underwriting, identification of Policy Exceptions, and appropriate underwriting stress analysis of credits underwritten.

Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements. Acts as a mentor to junior Underwriting Portfolio Managers.

Effectively present proposed credit actions in written analysis document and as necessary, verbally to committee and meetings.

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:

5

Skills Required to Performance of 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 & Cap markets), underwriting practices, and banking practices

Knowledge of commercial banking policies, procedures and government regulations

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

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work:

Travel may be required on occasion

Compensation Grade:

EXT11

Pay Range:

$94,146.00 - $156,910.00

• FNB's total rewards package may include other components such as: overtime, incentive, equity and benefits.
• Salary range is a guideline and is determined by a number of factors including education, experience, skills, internal equity and market conditions.
• We review pay regularly to ensure competitive and equitable pay.
• FNB offers a comprehensive benefits package including but not limited to, medical, dental, vision, life insurance, flexible spending accounts, health savings account, 401(k), paid time off, including sick time, vacation time, and paid holidays, and other voluntary benefits.

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.