Corporate Banking Development Program

FNB Corporation; Pittsburgh (Allegheny County); On-site; USD 50,000 - 66,000; Full time

Job summary

FNB Corporation in Pittsburgh invites entry-level professionals to join its 12-month Commercial Credit Development Program designed to build credit analysis acumen through hands-on experience. The program prepares you to analyze middle-market companies and real estate developers under supervision.

You will learn to use financial spreads, risk ratings, and underwriting documents, while collaborating with various banking lines and expanding professional networks.

Qualifications

• BA or BS degree required.
• 0 years of experience required.
• Strong analytical and communication skills.
• Proficiency in MS Excel and MS Word.
• Ability to work in a fast-paced environment.

Responsibilities

• Perform credit analysis for middle-market borrowers and real estate developers.
• Prepare full underwriting analyses and risk documentation.
• Use software to build financial spreads, risk ratings, and covenant tests.
• Research industry trends and summarize findings to aid lending decisions.
• Collaborate across banking lines to ensure compliance and risk management.
• Develop a personal learning plan and engage in continuous professional development.

Skills

Communication

Organized & Detail-Oriented

Analytical Skills

MS Excel

MS Word

Credit analysis

Education

BA or BS

Job description

# **Commercial Credit Development Program Associate**# **Program Overview:**Are you ready to launch your career in the financial services industry? The Commercial Credit Associate role is designed for driven, entry-level professionals who want to grow and thrive in a dynamic environment. This 12-month Commercial Credit Development Program is designed to teach the skills necessary to launch a successful professional career at FNB. The primary objective of this position is to develop credit analysis acumen of middle market companies and real estate developers through hands-on experience in a professional environment. The incumbent associate is accountable for preparation of all aspects of financial analysis of current and prospective commercial customers. The structure of the Development Program fosters professional growth by providing specialized training and stretch assignments throughout the one-year curriculum. This position will put the development program associate on a path to a successful career with FNB, with a solid credit analysis foundation. Successful completion promotes the Associate into another role, and/or another region, and onto a prosperous career path in one of our many business lines or support departments.# **Your Role:****Perform Credit Analysis Process**Analyzes the creditworthiness of borrowers, identifies key credit issues and prepares full written analysis according to available information and established policies and procedures accurately and timely including completion of the entire underwriting document.**Leverage Technology Tools and Skills**Utilizes software to complete financial spreads, risk ratings, covenant tests, cash flow and global cash flow accurately and timely to aid in the analysis of a borrower’s creditworthiness according to established policies and procedures.**Research and Analyze Trends**Research available data including internet sources and subscription-based utilities as available and summarizes information regarding current and projected status of certain industries and borrowers of Bank services along with general economic trends and conditions according to the availability of research data to aid in the quality of lending decisions.**Collaboration and Compliance**Perform credit risk analysis for FNB Lines of Business across the organization, which includes Commercial Banking, Asset Based Lending, Equipment Finance, Business Banking, and Investment Real Estate.**Self-Motivated Learning and Development**Develops a personal program for maintaining an adequate level of knowledge in banking matters, compliance, credit analysis, policies and procedures and personal skills and demonstrates interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance.**Community Involvement**Participate in social engagements that promote community involvement, as well as capitalize on networking opportunities with our leadership team. Develop professional relationships with tenured bankers through regular contact and in-person 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.# **What You Bring:**Communication: Excellent verbal, written, and presentation skillsOrganized and Detail-Oriented: Ability to manage multiple tasks with attention to detailAnalytical Skills: Ability to analyze data and provide insightsMS Excel - Intermediate LevelMS Word - Intermediate LevelAbility to use a personal computer and job-related softwareAbility to work and multi-task in a fast paced environmentFinancial services experience through internships or campus activitiesStrong leadership skills as demonstrated through extracurricular and community activities preferred# **Minimum Requirements:**Minimum Level of Education Required: BA or BSMinimum Years of Experience Required: 0Licensures/Certifications Required: N/AAdditional Physical Requirements: N/A### **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.FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.