Commercial Credit Underwriting Portfolio Manager 2

First National Bank Of Pennsylvania•Baltimore, MD

3d•Onsite

About The Position

Responsible for managing a designated Commercial loan portfolio, including portfolio management, credit underwriting, and ensuring compliance with bank and regulatory guidelines. Responsible for the quality of underwriting and ongoing portfolio management metrics for portfolio under purview. Assists Commercial Relationship Managers in the management of client relationships while maintaining a high degree of creditability. Act as a mentor to junior team members. The incumbent typically works on loans/portfolios of medium complexity as the incumbent’s work requires some oversight.

Requirements

BA or BS degree.
3 years 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.
MS Word - Basic Level.
MS Excel - Intermediate Level.
MS PowerPoint - Basic Level.
Knowledge of a wide range of commercial lending (C&I & Cap markets), underwriting practices, and banking practices.
Knowledge of commercial banking policies, procedures and government regulations.

Nice To Haves

Travel may be required on occasion.

Responsibilities

Underwriting, monitoring, and analyzing assigned Commercial portfolio.
Ensuring risks are identified timely, maintaining a high degree of accuracy and quality underwriting, and portfolio management practices are aligned with the bank's risk appetite and regulatory standards.
Maintaining professional development and measurable objectives.
Leading on complex transactions including syndications, multi-level capital structures, and/or Middle Market relationships while demonstrating excellent communication skills to voice opinion in a clear, concise manner to effectively solve problems/make recommendations regarding credit structure, risk, appropriate risk ratings and policy compliance.
Monitoring and ensuring assigned portfolio is within acceptable tolerances as well as published KPIs/KRIs.
Assisting Commercial Relationship Managers in the management of client relationships while maintaining a high degree of creditability.
Optimizing customer relationships working directly with Relationship Managers.
Ensuring sustained satisfactory reviews by regulators, internal auditors, external auditors, and loan review for depth of underwriting, identification of Policy Exceptions, and appropriate underwriting stress analysis of credits underwritten.
Working with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements.
Acting as a mentor to junior Underwriting Portfolio Managers.
Effectively presenting proposed credit actions in written analysis documents and as necessary, verbally to committee and meetings.
Performing other related duties and projects as assigned.
Serving 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.
Adhering to regulatory laws and guidelines.