Portfolio Manager 3 - Business Credit

F.N.B. Corporation•Raleigh, NC

About The Position

The Portfolio Manager 3 is primarily responsible for monitoring the asset quality and financial performance of an assigned portfolio of Asset Based Lending relationships while providing high-quality customer service. Depending on experience, the incumbent may also independently generate new income opportunities for the group. The role manages borrower collateral and financial progress, conducts financial and credit analysis, monitors industry trends and exceptions, and supports new business efforts through preview memos and underwriting packages. It maintains sound underwriting practices and compliance with reporting and regulatory requirements, and identifies and implements strategies to reduce corporate risk. The position may involve independent meetings with borrowers, prospects, and service providers; reviewing outside legal counsel documents; identifying client needs and facilitating cross-sales of Bank services; and completing other assigned duties and projects. All employees are accountable for understanding, reporting, responding to, managing, and monitoring business risks under F.N.B. Corporation’s risk management program. Compliance with regulatory laws and company procedures is required. FNB does not provide employment-based visa sponsorship; applicants must be legally authorized to work in the United States.

Requirements

Bachelor of Arts or Bachelor of Science 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 MS Word skills.
Intermediate-level MS Excel skills.
Basic-level MS PowerPoint skills.
Must be legally authorized to work in the United States; employment-based visa sponsorship is not provided.

Responsibilities

Manage an Asset Based Lending portfolio, emphasizing borrower 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 complying with 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 from outside legal counsel.
Diagnose client needs and facilitate cross-selling of Bank services to borrowers.
Perform tasks as directed by senior members of the Asset Based Lending department and complete other related duties and projects as assigned.
Understand, report, respond to, manage, and monitor risks in accordance with F.N.B. Corporation’s risk management program.
Comply with regulatory laws and company procedures.