Investment Real Estate Underwriting Portfolio Manager 3
F.N.B. Corporation, Raleigh, North Carolina, United States, 27601
Position Title
Investment Real Estate Underwriting Portfolio Manager 3
Business Unit Credit
Reports to Investment Real Estate Underwriting Portfolio Manager Team Leader
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. Responsible for the quality of underwriting and ongoing portfolio management metrics for portfolio under purview. Assists Commercial Relationship Managers in the management of client relationships while maintaining a high degree of creditability. Acts as a mentor to junior team members. The incumbent typically works on loans/portfolios of significant complexity as the incumbent’s work requires little oversight.
Primary Responsibilities
Underwrite, monitor, and analyze assigned Investment Real Estate portfolio; ensure risks are identified timely and maintain a high degree of accuracy and quality underwriting, aligned with the bank's risk appetite and regulatory standards.
Lead complex transactions including construction loans, multi-level capital structures, and large developments, while communicating clearly to solve problems and recommend credit structures, risks, ratings and policy compliance.
Monitor and ensure the portfolio remains within acceptable tolerances and published KPIs/KRIs.
Assist Commercial Relationship Managers in client relationship management, optimizing relationships and working directly with Relationship Managers.
Ensure satisfactory reviews by regulators, internal auditors, external auditors and loan review bodies for underwriting depth, policy exception identification and underwriting stress analysis.
Collaborate on group-wide initiatives to improve processes, roles and responsibilities, or output; mentor junior Underwriting Portfolio Managers.
Present proposed credit actions in written analysis documents and verbally in committees and meetings.
Perform other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation’s risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Level of Education Required BA or BS
Minimum Years of Job Related Experience Required 5
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 Required N/A
Physical Requirements or Work Conditions Beyond Traditional Office Work 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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Business Unit Credit
Reports to Investment Real Estate Underwriting Portfolio Manager Team Leader
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. Responsible for the quality of underwriting and ongoing portfolio management metrics for portfolio under purview. Assists Commercial Relationship Managers in the management of client relationships while maintaining a high degree of creditability. Acts as a mentor to junior team members. The incumbent typically works on loans/portfolios of significant complexity as the incumbent’s work requires little oversight.
Primary Responsibilities
Underwrite, monitor, and analyze assigned Investment Real Estate portfolio; ensure risks are identified timely and maintain a high degree of accuracy and quality underwriting, aligned with the bank's risk appetite and regulatory standards.
Lead complex transactions including construction loans, multi-level capital structures, and large developments, while communicating clearly to solve problems and recommend credit structures, risks, ratings and policy compliance.
Monitor and ensure the portfolio remains within acceptable tolerances and published KPIs/KRIs.
Assist Commercial Relationship Managers in client relationship management, optimizing relationships and working directly with Relationship Managers.
Ensure satisfactory reviews by regulators, internal auditors, external auditors and loan review bodies for underwriting depth, policy exception identification and underwriting stress analysis.
Collaborate on group-wide initiatives to improve processes, roles and responsibilities, or output; mentor junior Underwriting Portfolio Managers.
Present proposed credit actions in written analysis documents and verbally in committees and meetings.
Perform other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation’s risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Level of Education Required BA or BS
Minimum Years of Job Related Experience Required 5
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 Required N/A
Physical Requirements or Work Conditions Beyond Traditional Office Work 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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