Business Banking Underwriter 1

F.N.B. Corporation • Baltimore, MD

134d • $62,738 - $104,572

About The Position

Join our team. Make a difference - for us and for your future. The Business Banking Underwriter 1 is responsible for preparing financial analyses of current and prospective commercial loan customers, spreading financial statements, analyzing industry and economic conditions, completing cash flow analysis, completing full underwriting presentation and performing credit investigations to make appropriate recommendations as to the creditworthiness of borrowers and protect the Bank from loss. The incumbent provides the highest quality of service to every customer and typically works on loans/portfolios of lower complexity, requiring significant oversight.

Requirements

• BA or BS degree.
• Minimum of 1 year of job-related experience.
• 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.
• Basic level of MS Word, Intermediate level of MS Excel, Basic level of MS PowerPoint.
• 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.
• 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.
• Serves 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.

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• Life insurance
• Flexible spending accounts
• Health savings account
• 401(k)
• Paid time off, including sick time, vacation time, and paid holidays
• Other voluntary benefits

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Bachelor's degree
• Number of Employees: 1,001-5,000 employees