Investment Real Estate Underwriting Portfolio Manager 2

F.N.B. Corporation•Pittsburgh, PA

2d•Onsite

About The Position

Responsible for managing a designated Commercial Investment Real Estate loan portfolio, including portfolio management, credit underwriting, construction monitoring, and ensuring compliance with bank and regulatory guidelines. Accountable for the quality of underwriting and ongoing portfolio management metrics for the assigned portfolio. Assists Commercial Relationship Managers with client relationships while maintaining a high degree of creditability. Mentors junior team members. Typically works on loans and portfolios of medium complexity, with some oversight. Underwrites, monitors, and analyzes assigned Investment Real Estate portfolios; identifies risks promptly; and maintains accurate, high-quality underwriting and portfolio management aligned with the bank’s risk appetite and regulatory standards. Leads complex transactions, including construction loans and related monitoring, multi-level capital structures, and large developments. Makes recommendations on credit structure, risk, risk ratings, and policy compliance, and presents proposed credit actions in written analyses and, as needed, verbally at committees and meetings. Monitors portfolio tolerances and published KPIs/KRIs, works with managers on group-wide process and output improvements, and supports satisfactory reviews by regulators, auditors, and loan review. The role also includes maintaining professional development and measurable objectives, performing other related duties and projects as assigned, and fulfilling the corporation’s risk-management and compliance responsibilities. The position is based at 626 Washington Place, Pittsburgh, Pennsylvania 15219; occasional travel may be required. Candidates must be legally authorized to work in the United States; employment-based visa sponsorship is not provided.

Requirements

Bachelor of Arts or Bachelor of Science degree.
At least 3 years of job-related experience.
Excellent project management, written and verbal communication, organizational, analytical, interpersonal, and customer service skills.
Ability to use a personal computer and job-related software.
Basic proficiency in Microsoft Word and PowerPoint and intermediate proficiency in Microsoft Excel.
Knowledge of Investment Real Estate lending, underwriting practices, 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

Underwrite, monitor, and analyze assigned Investment Real Estate portfolios.
Identify risks promptly and maintain accurate, high-quality underwriting and portfolio management practices aligned with the bank’s risk appetite and regulatory standards.
Lead complex transactions, including construction loans and monitoring, multi-level capital structures, and large developments.
Make recommendations regarding credit structure, risk, risk ratings, and policy compliance.
Monitor assigned portfolio tolerances and published KPIs/KRIs.
Assist Commercial Relationship Managers with client relationship management and optimize customer relationships in collaboration with them.
Support satisfactory reviews by regulators, internal and external auditors, and loan review, including through thorough underwriting, identification of policy exceptions, and appropriate stress analysis.
Work with the manager on group-wide initiatives to improve processes, roles and responsibilities, and outputs.
Mentor junior Underwriting Portfolio Managers.
Present proposed credit actions in written analysis and, as necessary, verbally at committees and meetings.
Maintain professional development and measurable objectives.
Perform other related duties and projects as assigned.
Serve as a risk manager by understanding, reporting, responding to, managing, and monitoring risks as required by the corporation’s risk management program.
Comply with regulatory laws, company procedures, and applicable guidelines.