Investment Real Estate Underwriting Portfolio Manager 2

F.N.B. Corporation; Harrisburg (Dauphin County); On-site; USD 85,000 - 120,000; Full time

Job summary

F.N.B. Corporation is seeking a Credit professional to manage a designated Commercial Investment Real Estate loan portfolio. You will underwrite, monitor, and analyze the portfolio, ensuring timely risk identification and alignment with regulatory standards.

The role involves leading complex transactions, monitoring KPIs, and supporting Commercial Relationship Managers in managing client relationships while maintaining high creditability.

Qualifications

• BA or BS degree required.
• 1 year of related experience required.
• Strong written and verbal communication skills.
• Knowledge of Investment Real Estate lending and banking practices.
• Ability to use a personal computer and job-related software.
• MS Word and MS PowerPoint basic proficiency.
• Knowledge of banking policies, procedures and regulations.

Responsibilities

• Underwrite, monitor, and analyze the Investment Real Estate portfolio.
• Identify risks promptly and maintain high-quality underwriting and portfolio management.
• Ensure portfolio aligns with bank risk appetite and regulatory standards.
• Lead complex transactions including construction loans and large developments.
• Communicate proposed credit actions clearly to stakeholders.
• Monitor KPIs/KRIs and regulatory reviews for assigned portfolio.
• Support Relationship Managers in client relationships while maintaining creditability.

Skills

Project management

Communication

Organizational skills

Analytical skills

Interpersonal skills

MS Office basics

Investment Real Estate lending

Banking regulations knowledge

Education

Bachelor's degree (BA/BS)

Tools

MS Word

MS PowerPoint

Job description

Business Unit: Credit

Position Overview

Responsible for managing a designated Commercial Investment Real Estate loan portfolio, including portfolio management, credit underwriting, construction monitoring, 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. The incumbent typically works on loans/portfolios of lower complexity as the incumbent’s work requires significant oversight.

Primary Responsibilities

Responsible for underwriting, monitoring, and analyzing assigned Investment Real Estate 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 heightened regulatory standards. Maintain professional development and measurable objectives.

Leader on complex transactions including construction loans and related monitoring, multi-level capital structures, and/or large developments while demonstrating excellent communication skills 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.

Effectively present proposed credit actions in written analysis document and as necessary, verbally in various 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

1

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
• Ability to use a personal computer and job-related software
• MS Word - Basic Level
• MS PowerPoint - Basic Level
• Knowledge of a wide range of Investment Real Estate lending, 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