Investment Real Estate Underwriting Portfolio Manager Team Leader

First National Bank Of Pennsylvania; United States; On-site; USD 114,000 - 190,000; Full time

Job summary

First National Bank Of Pennsylvania in Baltimore, MD seeks an Investment Real Estate Underwriting Portfolio Manager Team Leader to lead a skilled group of portfolio managers, oversee underwriting quality, and drive portfolio performance in line with regulatory expectations.

The role reports to the Manager of Investment Real Estate Underwriting Portfolio Management and focuses on risk strategies, performance metrics, and customer portfolio oversight within a commercial real estate context.

Qualifications

• BA or BS degree required.
• 7+ years of related experience in underwriting or portfolio management.
• Experience leading a team of underwriting professionals.

Responsibilities

• Recruit, hire, train, and oversee team of Underwriting Portfolio Managers responsible for underwriting, portfolio monitoring, and analyzing assigned portfolios.
• Ensure direct reports identify credit risks timely with high accuracy and quality.
• Communicate credit underwriting and portfolio management policies to align with risk appetite and regulatory standards.
• Provide guidance to ensure risk ratings are timely and accurate for decision makers.
• Manage a small portfolio of accounts including underwriting and monitoring.
• Monitor reports to ensure portfolios stay within KPIs/KRIs and tolerances.
• Ensure regulator, auditor, and loan review depth of underwriting and policy exceptions.
• Collaborate on group-wide process improvements with manager.
• Perform other related duties as assigned.

Skills

Excellent management skills

Excellent communication skills

Organizational skills

Analytical skills

Interpersonal skills

Customer service skills

MS Word

MS Excel

MS PowerPoint

IRE lending knowledge

Banking regulations knowledge

Education

BA or BS

Tools

MS Word

MS Excel

MS PowerPoint

Credit underwriting systems

Job description

Primary Office Location: 300 E. Lombard Street. Baltimore, Maryland. 21202. Join our team. Make a difference - for us and for your future.

Position Title: Investment Real Estate Underwriting Portfolio Manager Team Leader Business Unit: Credit Reports to: Manager of Investment Real Estate Underwriting Portfolio Management

Position Overview: Responsible for managing team of Underwriting Portfolio Managers supporting Commercial Investment Real Estate, 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 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 IRE lending (construction), 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

Compensation Grade: EXT13 Pay Range: $113,932.00 - $189,878.00 FNB’s total rewards package may include other components such as: overtime, incentive, equity and benefits. Salary range is a guideline and is determined by a number of factors including education, experience, skills, internal equity and market conditions. We review pay regularly to ensure competitive and equitable pay. FNB offers a comprehensive benefits package including but not limited to, medical, dental, vision, life insurance, flexible spending accounts, health savings account, 401(k), paid time off, including sick time, vacation time, and paid holidays, and other voluntary benefits.

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. 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.