Investment Real Estate Underwriting Portfolio Manager 3
F.N.B. Corporation, Charlotte, North Carolina, United States, 28245
Position Title:
Investment Real Estate Underwriting Portfolio Manager 3
Business Unit:
Credit
Reports to:
Investment Real Estate Underwriting Portfolio Manager Team Leader
Join our team. Make a difference - for us and for your future.
Position Overview 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. The incumbent oversees the quality of underwriting and ongoing portfolio management metrics for the portfolio under purview, assists Commercial Relationship Managers in client relationship management, and mentors junior team members. The role typically handles complex loans or portfolios with minimal oversight.
Primary Responsibilities
Underwrite, monitor, and analyze assigned Investment Real Estate portfolio.
Identify risks in a timely manner, maintaining high accuracy and quality underwriting, and aligning portfolio management practices with the bank's risk appetite and regulatory standards.
Maintain professional development and measurable objectives.
Lead complex transactions, including construction loans, multi-level capital structures, and large developments, while demonstrating excellent communication skills to solve problems and make recommendations regarding credit structure, risk, appropriate risk ratings, and policy compliance.
Monitor portfolio to ensure it remains within acceptable tolerances and published KPIs/KRIs.
Assist Commercial Relationship Managers in client relationship management, maintaining high creditability and optimizing customer relationships.
Ensure satisfactory reviews by regulators, internal auditors, external auditors, and loan reviewers for depth of underwriting, identification of policy exceptions, and appropriate underwriting stress analysis.
Collaborate on group-wide initiatives for process, role, and responsibility enhancements, and output improvements.
Act as a mentor to junior Underwriting Portfolio Managers.
Present proposed credit actions in written analysis documents and verbally at committees and meetings.
Perform other related duties and projects as assigned.
Serve as a risk manager per F.N.B. Corporation’s risk management program.
Minimum Level of Education BA or BS
Minimum Number of Years of Experience 5 years
Skills Required
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 Investment Real Estate lending, underwriting practices, and banking practices.
Knowledge of commercial banking policies, procedures and government regulations.
Licensures/Certifications N/A
Physical Requirements or Work Conditions Travel may be required on occasion.
Equal Employment Opportunity (EEO) It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
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Investment Real Estate Underwriting Portfolio Manager 3
Business Unit:
Credit
Reports to:
Investment Real Estate Underwriting Portfolio Manager Team Leader
Join our team. Make a difference - for us and for your future.
Position Overview 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. The incumbent oversees the quality of underwriting and ongoing portfolio management metrics for the portfolio under purview, assists Commercial Relationship Managers in client relationship management, and mentors junior team members. The role typically handles complex loans or portfolios with minimal oversight.
Primary Responsibilities
Underwrite, monitor, and analyze assigned Investment Real Estate portfolio.
Identify risks in a timely manner, maintaining high accuracy and quality underwriting, and aligning portfolio management practices with the bank's risk appetite and regulatory standards.
Maintain professional development and measurable objectives.
Lead complex transactions, including construction loans, multi-level capital structures, and large developments, while demonstrating excellent communication skills to solve problems and make recommendations regarding credit structure, risk, appropriate risk ratings, and policy compliance.
Monitor portfolio to ensure it remains within acceptable tolerances and published KPIs/KRIs.
Assist Commercial Relationship Managers in client relationship management, maintaining high creditability and optimizing customer relationships.
Ensure satisfactory reviews by regulators, internal auditors, external auditors, and loan reviewers for depth of underwriting, identification of policy exceptions, and appropriate underwriting stress analysis.
Collaborate on group-wide initiatives for process, role, and responsibility enhancements, and output improvements.
Act as a mentor to junior Underwriting Portfolio Managers.
Present proposed credit actions in written analysis documents and verbally at committees and meetings.
Perform other related duties and projects as assigned.
Serve as a risk manager per F.N.B. Corporation’s risk management program.
Minimum Level of Education BA or BS
Minimum Number of Years of Experience 5 years
Skills Required
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 Investment Real Estate lending, underwriting practices, and banking practices.
Knowledge of commercial banking policies, procedures and government regulations.
Licensures/Certifications N/A
Physical Requirements or Work Conditions Travel may be required on occasion.
Equal Employment Opportunity (EEO) It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
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