Small Business Credit Manager

First National Bank; Pittsburgh (Allegheny County); On-site; USD 80,000 - 120,000; Full time

Job summary

First National Bank is seeking a Small Business Credit Manager to lead the Retail Small Business Lending Department. The ideal candidate will have a proven track record in underwriting and team management, with a focus on enhancing performance and ensuring compliance with credit policies.

Qualifications

• 10 years of job-related experience required.
• Excellent management and communication skills are essential.
• Ability to use job-related software and MS Office tools.

Responsibilities

• Lead and mentor a team of credit managers.
• Conduct underwriting for complex and high-dollar credits.
• Develop training programs for the underwriting team.

Skills

Management

Communication

Organizational skills

Analytical skills

Customer service

Education

BA or BS

Tools

MS Word

MS Excel

MS PowerPoint

APPRO software

Customer Information System

Director

Job description

Primary Office Location:626 Washington Place. Pittsburgh, Pennsylvania. 15219.Join our team. Make a difference - for us and for your future.Small Business Credit Manager

Overview:We are seeking a seasoned Small Business Credit Professional with a proven track record and current seven-figure lending authority to lead our Credit and Servicing Groups. This pivotal role involves overseeing all underwriting, training, and performance KPIs for our Bank's Retail Small Business Lending Department.

Key Responsibilities:

• Leadership & Management:Lead and mentor a team of credit managers and servicing professionals, ensuring alignment with the Bank's strategic goals.
• Underwriting:Conduct transactional underwriting, focusing on complex and high-dollar credits as part of your daily and weekly routine.
• Training & Development:Develop and implement training programs to enhance the skills and performance of the underwriting team.
• Performance Monitoring:Monitor and manage performance KPIs to ensure the department meets its targets.
• Credit Strategy:Provide direction and coaching on the Bank's Small Business credit appetite, particularly for C&I and CRE products with exposures up to $3 million.
• Credit Evaluation:Evaluate maturing credits for potential renewals, ensuring sound credit decisions.

** At First National Bank, we value related, relevant experience and what you've accomplished in your career. For this position, we will accept four (4) years of commensurate experience or two (2) years of commensurate experience with an associate degree in lieu of the education requirement below. **

Position Title: Manager of Small Business Loan Center

Business Unit: Retail Lending

Reports to: Senior Retail Loan Officer

Position Overview:

This position is primarily responsible for loan underwriting, risk management, processing, and delivery of the Bank's small business loan services including small business administration (SBA) originations. Additional responsibilities include portfolio oversight, decision rule maintenance, vendor performance monitoring, delivery channel training and servicing functions as necessary.

Primary Responsibilities:

Acts as a senior loan adjudication resource in the Small Business Loan origination division within prescribed lending authority. Monitoring credit policy exceptions within perscribed guidelines.

Monitors pricing, collateral leverage, loan structure and product feature trends in the Bank's footprint from a competitive standpoint and recommends program, pricing and policy changes and revisions accordingly.

Performs substantial delivery system training and guidance to maximize profitable volume opportunities within the various markets.

Acts as the primary SBA conduit, underwriter and processing supervisor and assures program compliance, servicing integrity and product viability.

Collaborates with senior management, Loan Operations, Direct Loan Center and Commercial Loan Administration to optimize productivity within allocated resources.

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:

10

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

Experience with industry related software such as APPRO software, Customer Information System and Director.

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.