Portfolio Manager 3 - Business Credit

First National Bank Of Pennsylvania•Raleigh, NC

13d

About The Position

The Portfolio Manager 3 - Business Credit is primarily responsible for monitoring the asset quality and financial performance of an assigned portfolio of Asset Based Lending relationships and providing high-quality service to customers. Depending on experience, the incumbent may also independently generate new income opportunities for the group. The role supports portfolio management, credit analysis, underwriting, risk mitigation, and business development while meeting applicable reporting and regulatory requirements. All employees are responsible for serving as risk managers by understanding, reporting, responding to, managing, and monitoring risks encountered in their work, as required by F.N.B. Corporation’s risk management program. Compliance with regulatory laws and company procedures is required. FNB does not provide sponsorship for employment-based visas; candidates must be legally authorized to work in the United States.

Requirements

BA or BS degree.
At least 7 years of experience.
Experience in commercial banking.
Two or more years of credit analysis or loan review experience.
Knowledge of or exposure to Asset Based Lending.
Excellent project management skills.
Excellent written and verbal communication skills.
Excellent customer service skills.
Excellent organizational, analytical, and interpersonal skills.
Ability to use a personal computer and job-related software.
Basic-level Microsoft Word skills.
Intermediate-level Microsoft Excel skills.
Basic-level Microsoft PowerPoint skills.
Legally authorized to work in the United States; employment-based visa sponsorship is not provided.

Responsibilities

Manage an Asset Based Lending portfolio, focusing on borrowers’ collateral and financial progress.
Perform financial and credit analysis on borrowers as needed.
Monitor trends in clients’ industries.
Monitor documentation, collateral, and financial statement exceptions.
Support new business efforts by preparing Preview Memos and underwriting packages for prospects.
Maintain sound underwriting principles and guidelines while meeting reporting and regulatory requirements.
Identify, recommend, and implement strategies to reduce corporate risk, including recommended risk-rating changes.
Meet independently with borrowers, prospects, and service providers as needed.
Review documents prepared by outside legal counsel.
Diagnose client needs and facilitate cross-selling of bank services to borrowers.
Perform tasks directed by senior members of the Asset Based Lending department and other related duties and projects as assigned.
Understand, report, respond to, manage, and monitor daily business risks in accordance with F.N.B. Corporation’s risk management program.
Comply with regulatory laws and company procedures.