Commercial Credit Underwriting Portfolio Manager 3

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

Benefits offered by this job

Medical insurance

Paid time off

401(k)

Job summary

First National Bank of Pennsylvania is seeking a Commercial Credit Underwriting Portfolio Manager 3 in Baltimore to lead underwriting and portfolio management for a designated commercial loan portfolio. You will ensure compliance with bank and regulatory guidelines, mentor junior team members, and support Relationship Managers in client management.

The role requires strong credit analysis, experience with syndications and complex transactions, and the ability to present credit actions to

Qualifications

• BA or BS required for primary responsibilities.
• Excellent credit underwriting and portfolio management knowledge.
• Experience with commercial lending and regulatory guidelines.

Responsibilities

• Underwrite, monitor, and analyze assigned Commercial portfolio.
• Ensure timely risk identification and high-quality underwriting.
• Lead complex transactions including syndications and multi-level capital structures.
• Support Relationship Managers in client management and optimize relationships.
• Mentor junior Underwriting Portfolio Managers.
• Present credit actions to committees as needed.
• Ensure audits and regulators reviews meet standards.

Skills

Project management

Communication skills

Organizational skills

Analytical skills

Customer service

MS Word

MS Excel

MS PowerPoint

Lending knowledge

Regulatory knowledge

Relationship management

Education

BA or BS

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 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 & Cap markets), 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

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.