Regional Credit Officer

First National Bank Of Pennsylvania • Bethesda, MD

2d

About The Position

The Regional Credit Officer oversees and directs an assigned lending territory, including loan origination and the development and maintenance of profitable business relationships. The role develops, implements, interprets, and maintains lending policies and procedures, and ensures lending programs comply with federal and state regulations and Bank policy. As a member of the senior management team, the officer participates in the Bank’s overall management and planning. The position also carries responsibility for managing and monitoring risk in accordance with F.N.B. Corporation’s risk management program and for complying with regulatory requirements and company procedures.

The primary office location is 5229 River Road, Bethesda, Maryland 20816. The listed compensation range is $166,790.00–$277,992.00. FNB’s total rewards package may include overtime, incentive compensation, equity, and benefits. The company describes its benefits package as including medical, dental, vision, life insurance, flexible spending accounts, a health savings account, 401(k), paid time off including sick and vacation time, paid holidays, and other voluntary benefits.

Requirements

• At least 10 years of experience.
• Bachelor of Arts or Bachelor of Science degree.
• Excellent 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 Microsoft Word.
• Intermediate proficiency in Microsoft Excel.
• Basic proficiency in Microsoft PowerPoint.
• Experience in banking, finance, or a related field.

Nice To Haves

• MBA preferred.
• Knowledge of banking regulatory and compliance issues preferred.

Responsibilities

• Provide loan underwriting and structuring guidance and support for an assigned lending region.
• Review underwriting requests for compliance with Bank policy and regulatory requirements.
• Approve credit requests within defined lending authority that meet the Bank’s underwriting standards and lending objectives.
• Support established lending goals while maintaining desired asset quality levels.
• Mentor, guide, and support the assigned lending team.
• Assist and mentor credit analysts on difficult credit underwriting issues.
• Help lending staff identify appropriate risk ratings.
• Assist in managing criticized assets.
• Monitor loan exception items for assigned regions and work with the lending team to resolve them.
• Monitor regional credit quality issues, including delinquency.
• Participate as a member of SACC for respective regional credits.
• Assist with the review, analysis, and integration of acquisition opportunities.
• Perform other related duties and projects as assigned.
• Understand, report, respond to, manage, and monitor risks encountered in daily work, as required by F.N.B. Corporation’s risk management program.
• Comply with applicable regulatory laws and company procedures.

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• Life insurance
• Flexible spending accounts
• Health savings account
• 401(k)
• Paid time off, including sick time and vacation time
• Paid holidays
• Other voluntary benefits
• Overtime, incentive compensation, and equity may be included in the total rewards package

What This Job Offers

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