Business Banking Underwriter 2

F.N.B. Corporation • Charlotte, NC

7d • Onsite

About The Position

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

The role also supports process, role, responsibility, and output improvements through group-wide initiatives. Employees are responsible for understanding, reporting, responding to, managing, and monitoring risks under F.N.B. Corporation’s risk management program, and for complying with applicable regulatory requirements and company procedures. The position is based at the primary office 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.
• 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 analysis, and global cash flow analysis 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, 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 encountered risks as required by F.N.B. Corporation’s risk management program.
• Comply with regulatory laws, guidelines, and company procedures.

What This Job Offers

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