Small Business Lending Underwriter

FNB Corporation; Pittsburgh, Northern (Allegheny County, KY); Hybrid; USD 60,000 - 85,000; Full time

Job summary

F.N.B. Corporation is seeking a Retail Lending Loan Underwriter to analyze new loan applications from consumers and small businesses, determine risk and credit decisions, and ensure accurate documentation.

The role involves tax return analysis, collateral and credit history review, and collaboration with loan processors and branch teams. The position emphasizes policy compliance, timely decisions, and ongoing education of staff on credit risk factors while supporting customer satisfaction across

Qualifications

• BA or BS required.
• 3 years minimum underwriting/ lending experience; or 2 years with an associate degree in lieu of education.

Responsibilities

• Review loan applications from consumers and small businesses to assess risk and decide acceptance.
• Verify information for accuracy and completeness against supporting documents.
• Analyze tax returns and credit histories to determine repayment capacity and collateral value.
• Ensure compliance with bank policies, regulatory requirements, and timely declination notifications.
• Develop partnerships with loan processors and branches to improve customer satisfaction and outcomes.

Skills

Project management

Communication

Analytical skills

Interpersonal skills

Customer service

MS Word

MS Excel

MS PowerPoint

PC literacy

Education

BA or BS

Tools

MS Word

Job description

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

Retail Lending Loan Underwriter

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. 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.

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 through 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
• Ability to use a personal computer and job related software
• MS Word - Basic Level
• MS Excel - Intermediate Level
• MS PowerPoint - Basic Level

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.

About Us

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.