Junior Commercial Lending Underwriter — Credit Analysis

F.N.B. Corporation; Charlotte (NC); On-site; USD 65,000 - 90,000; Full time

Job summary

F.N.B. Corporation in Charlotte, NC seeks a Business Banking Underwriter 1 to prepare financial analyses of commercial loan customers, spread financial statements, analyze industry and economic conditions, and complete underwriting presentations to assess creditworthiness.

You will perform cash flow analyses and credit investigations while maintaining high service quality for customers. Typically handling lower-complexity loans with oversight, you will use spreads, risk ratings, covenant tests,

Qualifications

• 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.

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.

Skills

Project management

Communication

Organization

Interpersonal

Customer service

MS Word

MS Excel

MS PowerPoint

C&I lending

Underwriting policies

Education

BA/BS

Job description

F.N.B. Corporation in Charlotte, NC seeks a Business Banking Underwriter 1 to prepare financial analyses of commercial loan customers, spread financial statements, analyze industry and economic conditions, and complete underwriting presentations to assess creditworthiness.

You will perform cash flow analyses and credit investigations while maintaining high service quality for customers. Typically handling lower-complexity loans with oversight, you will use spreads, risk ratings, covenant tests,