Commercial Credit Underwriting Portfolio Manager 3

First National Bank Of Pennsylvania; Charlotte (NC); On-site; USD 80,000 - 120,000; Full time

Job summary

First National Bank Of Pennsylvania is looking for a Commercial Credit Underwriting Portfolio Manager 3 to oversee a designated commercial loan portfolio. This role includes responsibilities such as underwriting, building client relationships, ensuring compliance, and mentoring junior team members. Ideal candidates will have a BA or BS and at least 5 years of experience in related fields, demonstrating strong communication and analytical skills.

Qualifications

• 5 years of job-related experience required.
• Excellent project management and communication skills.
• Knowledge of commercial banking policies and government regulations.

Responsibilities

• Manage commercial loan portfolio and ensure compliance with guidelines.
• Underwrite and analyze assigned commercial portfolio.
• Act as a mentor to junior Underwriting Portfolio Managers.

Skills

Project Management

Communication

Organizational Skills

Analytical Skills

Interpersonal Skills

Customer Service

Commercial Lending Knowledge

Underwriting Practices

Banking Practices Knowledge

Education

BA or BS

Tools

MS Word

MS Excel

MS PowerPoint

Job description

Commercial Credit Underwriting Portfolio Manager 3 page is loaded

Commercial Credit Underwriting Portfolio Manager 3

Apply locations Charlotte, NC Raleigh, NC time type Full time posted on Posted 9 Days Ago job requisition id 2025-01239

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: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

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.

About Us

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.

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