Investment Real Estate BBU Underwriter 2

First National Bank Of Pennsylvania; Town of Charlotte (NY); On-site; USD 75,000 - 95,000; Full time

Job summary

First National Bank Of Pennsylvania seeks a Business Banking Underwriter 2 to assess creditworthiness and prepare underwriting analyses for commercial loan customers. You will spread financials, analyze cash flow, and support lending decisions with research and data.

You will work on medium complexity loans, following policies and procedures, while maintaining a high level of customer service and risk management awareness in a dynamic banking environment.

Qualifications

• BA or BS required.
• 3 years of related experience preferred.
• Excellent project management, communication, organizational and interpersonal skills.
• Strong customer service skills and ability to use a PC and banking software.

Responsibilities

• Analyzes the creditworthiness of borrowers and identifies key credit issues.
• Prepares full underwriting analysis and documentation per policies.
• Utilizes software to complete financial spreads, risk ratings, covenant tests, cash flow analyses.
• Researches industry and economic data to support lending decisions.
• Works with manager on process improvements and risk management responsibilities.

Skills

Project management

Communication (written & verbal)

Organizational skills

Interpersonal skills

Customer service

PC skills & software

MS Word

MS Excel

MS PowerPoint

Commercial lending knowledge

Banking policies & regulations

Education

BA or BS

Tools

MS Word

MS Excel

MS PowerPoint

Commercial lending software

Banking systems knowledge

Job description

Position Title: Business Banking Underwriter 2

Primary Office Location: 401 S Graham St. Charlotte, North Carolina. 28202. Make a difference - for us and for your future.

Business Unit: Credit Reports to: Business Banking Underwriting Team Leader

Position Overview:

Responsible for preparing financial analyses of current and prospective commercial loan customers, spreading financial statements, analyzing industry and economic conditions, completing cash flow analysis, completing full underwriting presentation and performing credit investigations to make appropriate recommendations as to the creditworthiness of borrowers and protect the Bank from loss. The incumbent provides the highest quality of service to every customer. The incumbent typically works on loans/portfolios of medium complexity as the incumbent’s work requires some oversight.

Primary Responsibilities:

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. 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 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. 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. 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:

3

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, IRE, Muni, and NFP), 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:

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. A culture of teamwork. A history of success.

About Us and Opportunities:

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.