Business Banking Underwriter 2

First National Bank Of Pennsylvania • Charlotte, NC

6d • Onsite

About The Position

The Business Banking Underwriter 2 prepares financial analyses of current and prospective commercial loan customers. The role includes spreading financial statements, analyzing industry and economic conditions, completing cash-flow analysis and full underwriting presentations, and conducting credit investigations to make appropriate recommendations about borrowers’ creditworthiness and protect the Bank from loss. The incumbent provides high-quality service to every customer and typically works on medium-complexity loans or portfolios with some oversight.

The position is part of the Credit business unit and reports to the Business Banking Underwriting Team Leader. Employees are responsible for understanding, reporting, responding to, managing, and monitoring risks encountered in their work under F.N.B. Corporation’s risk management program. Compliance with regulatory laws and company procedures is required. The position is based at 401 S Graham St., Charlotte, North Carolina 28202. FNB does not provide employment-based visa sponsorship; candidates must be legally authorized to work in the United States.

Requirements

• Bachelor of Arts or Bachelor of Science degree.
• At least 3 years of job-related experience.
• Excellent project management skills.
• Excellent written and verbal communication skills.
• Excellent organizational, analytical, and interpersonal skills.
• Excellent customer service skills.
• Ability to use a personal computer and job-related software.
• Basic proficiency in MS Word.
• Intermediate proficiency in MS Excel.
• Basic proficiency in MS PowerPoint.
• Knowledge of a wide range of commercial lending, including C&I, IRE, Muni, and NFP, as well as underwriting and banking practices.
• Knowledge of commercial banking policies, procedures, and government regulations.
• Must be legally authorized to work in the United States; employment-based visa sponsorship is not provided.

Responsibilities

• Analyze borrower creditworthiness, identify key credit issues, and prepare timely, accurate written analyses and complete underwriting documents in accordance with available information and established policies and procedures.
• Use software to complete financial spreads, risk ratings, covenant tests, cash-flow analyses, and global cash-flow analyses accurately and on time.
• Research available data, including internet sources and subscription-based utilities, and summarize information about industries, borrowers, and general economic trends and conditions to support lending decisions.
• Maintain an adequate level of knowledge in banking, compliance, credit analysis, policies and procedures, and personal skills.
• Demonstrate appropriate interpersonal behavior, attitude, judgment, communication, and initiative with customers and employees.
• Work with the manager on group-wide initiatives to enhance processes, roles, responsibilities, and outputs.
• Perform other related duties and projects as assigned.
• Understand, report, respond to, manage, and monitor risks encountered in daily work, in accordance with the corporation’s risk management program.
• Comply with regulatory laws and company procedures.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level