Commercial Credit Underwriting Portfolio Manager 3

FNB Corporation; Baltimore, Northern (MD, KY); Hybrid; USD 94,000 - 157,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

401(k)

Paid time off

Job summary

F.N.B. Corporation is seeking a skilled Commercial Credit Underwriting Portfolio Manager 3 to oversee a designated loan portfolio, perform underwriting, and ensure compliance with bank and regulatory guidelines.

You will mentor junior staff and partner with Relationship Managers to optimize client relationships and portfolio performance. Strong communication and analytical abilities are essential for success in this role.

Qualifications

• BA or BS required; strong underwriting knowledge.
• Excellent project management, communication, and analytical skills required.
• Experience with commercial lending, risk assessment, and regulatory compliance.
• Ability to mentor junior team members and support Relationship Managers.

Responsibilities

• Underwrite, monitor, and analyze assigned Commercial portfolio.
• Ensure timely risk identification and high-quality underwriting.
• Maintain portfolio metrics aligned with risk appetite and regulatory standards.
• Lead complex transactions including syndications and capital structures; present credit actions.

Skills

Project management

Communication

Organizational skills

Interpersonal skills

Customer service

MS Word

MS Excel

MS PowerPoint

Commercial lending knowledge

Banking policies & regs

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

BA or BS

Minimum Number of Years of Job Related Experience Required

5

Skills Required

• 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

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work

Travel may be required on occasion

Compensation Grade and Pay Range

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.

Benefits Package

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.

Company Culture

A culture of teamwork. A history of success. 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.