Commercial Credit Underwriting Portfolio Manager Team Leader

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

Job summary

An established industry player is seeking a Commercial Credit Underwriting Portfolio Manager Team Leader to lead a dynamic team in Charlotte, NC. This pivotal role involves managing underwriting processes, ensuring compliance with regulatory standards, and guiding a team to achieve high-quality portfolio management. The ideal candidate will possess strong leadership and communication skills, with a deep understanding of commercial lending practices. Join a forward-thinking organization committed to excellence and make a significant impact on the future of commercial banking. If you are passionate about driving results and fostering a culture of compliance, this opportunity is perfect for you.

Qualifications

• 7+ years of experience in commercial credit underwriting and portfolio management.
• Strong knowledge of commercial lending and banking practices.

Responsibilities

• Manage a team of Underwriting Portfolio Managers and oversee credit underwriting.
• Ensure compliance with regulatory guidelines and quality underwriting practices.

Skills

Management Skills

Communication Skills

Organizational Skills

Analytical Skills

Interpersonal Skills

Customer Service Skills

Commercial Lending Knowledge

Banking Practices Knowledge

MS Word

MS Excel

MS PowerPoint

Education

Bachelor's Degree

Tools

MS Word

MS Excel

MS PowerPoint

Job description

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 Team Leader

Business Unit:Credit

Reports to:Manager of Commercial Credit Underwriting Portfolio Management

Position Overview:

Responsible for managing team of Underwriting Portfolio Managers supporting the Commercial Bank including portfolio management, credit underwriting, and development and oversight of the team. Communicate and execute credit underwriting risk strategies while ensuring compliance with regulatory guidelines. Responsible for the quality of underwriting and ongoing portfolio management performance metrics for portfolio under purview. Team leader will manage a small, assigned portfolio.

Primary Responsibilities:

Recruit, hire, train, and oversee team of Underwriting Portfolio Managers responsible for underwriting, portfolio monitoring, and analyzing assigned portfolios. Ensures direct reports are identifying credit risks timely, while meeting high standard of accuracy and quality.

Communicate commercial credit underwriting and portfolio management policies, procedures, and frameworks to ensure accurate and quality underwriting and portfolio management practices are aligned with the bank's risk appetite and heightened regulatory standards.

Provide guidance to direct reports to ensure risk ratings are timely and accurate and Regional Credit Officers and Credit Risk leaders have appropriate details to make timely and informative decisions on credit requests for existing and new customers.

Responsible for managing a small portfolio of accounts, including underwriting, portfolio monitoring, and analyzing assigned portfolios.

Monitors and ensures that direct reports are managing assigned portfolios within acceptable tolerances as well as any published KPIs/KRIs.

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 under their purview.

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 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 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 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.