Retail Lending Loan Underwriter

First National Bank Of Pennsylvania; United States; Sur place; USD 65 000 - 90 000; Plein temps

Résumé du poste

First National Bank Of Pennsylvania is seeking an experienced Retail Lending Loan Underwriter 1 in Pittsburgh, PA. This role analyzes new loan applications, assesses risk, and makes initial credit decisions to support growth and risk management across direct, indirect, or small business lending channels.

The ideal candidate has a BA/BS and at least 3 years of underwriting experience, with strong communication, organization, and customer service skills to collaborate with loan processors and

Qualifications

• Requires BA/BS degree.
• Minimum 3 years in lending or underwriting.
• Strong project management and communication skills.
• Excellent organizational and analytical abilities.
• Customer service orientation.

Responsabilités

• Review consumer and small business loan applications for risk.
• Verify information against documentation for accuracy.
• Assess repayment capacity, collateral, credit history, and relations.
• Ensure compliance with underwriting policies and regulations.
• Collaborate with loan processors and branches to satisfy customers.
• Obtain and review credit histories, financial statements, tax returns.
• Make final credit decisions and approve documents within authority.
• Stay updated on loan products and regulatory factors.

Connaissances

Excellent project management skills

Excellent communication skills, both 1

Excellent organizational, analytical

Excellent customer service skills

Formation

BA or BS

Description du poste

Primary Office Location

626 Washington Place. Pittsburgh, Pennsylvania. 15219. Join our team. Make a difference - for us and for your future.

Position Title

Retail Lending Loan Underwriter 1

Business Unit

Retail Lending

Reports To

Varies Based on Assignment

Position Overview

This position description covers underwriting positions for Direct, Indirect or Small Business Lending. This position is primarily responsible for new loan application analysis, underwriting and declination review noting that the importance of this function impacts long term company goals and objectives. The incumbent plays a major role in the acquisition of loan assets utilizing appropriate risk management discipline.

Primary Responsibilities

• Reviews loan applications from consumers and small businesses within the Bank’s delivery channels or directly through dealer channels to evaluate a degree of risk involved and determines the acceptance of applications.
• Verifies all application information for accuracy and completeness though validation of loan data against documentation provided.
• Pays appropriate attention to proper ordering of documentation to lessen the Bank’s potential risk of loss considering a broad array of credit related information including repayment capacity, collateral valuations, credit histories, other banking relationships and regulatory impact in reaching final credit decisions.
• Takes responsibility for compliance to Bank’s policies and procedures for underwriting loans depending on assignment.
• Complies with regulations regarding declinations and notification is sent within stated time frames.
• Develops partnerships with loan processors and Bank branch personnel to improve overall customer satisfaction.
• Maintains the customer relationships that were developed by the loan originators including Bank branch personnel and the Business Development and Underwriter.
• Performs tax return analysis to develop the self-employed borrower’s income.
• Obtains and compiles copies of loan applicants' credit histories, corporate financial statements, tax returns, collateral valuations and other financial information.
• Reviews the appraisal report for accuracy and completeness.
• Takes responsibility for final approval of documents.
• Continually educates other Bank personnel on policy, credit risk tolerance and regulatory factors involving all relevant loan issues.
• Stays abreast of new types of loans and other financial services and products to better meet customers' needs.
• Approves loans up to and including a set loan authority.
• Performs other related duties and projects as assigned.

Minimum Education

BA or BS

Minimum Years Experience

3

Special Skills

• Excellent project management skills
• Excellent communication skills, both written and verbal
• Excellent organizational, analytical and interpersonal skills
• Excellent customer service skills

Special Licenses and Certificates

N/A

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.

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.