Commercial Credit Underwriting Portfolio Manager 2
First National Bank, Baltimore, MD, United States
Position Title
Commercial Credit Underwriting Portfolio Manager 2
Business Unit Credit
Reports to Commercial Credit Underwriting Portfolio Manager Team Leader
Position Overview Responsible for managing a designated commercial loan portfolio, including portfolio management, credit underwriting, and ensuring compliance with bank and regulatory guidelines. The incumbent works on loans and portfolios of lower to medium complexity, requiring significant oversight and quality of underwriting and portfolio management metrics. The incumbent mentors junior team members and assists Commercial Relationship Managers in maintaining client relationships with a high level of creditability.
Primary Responsibilities Underwrite, monitor, and analyze assigned commercial portfolios, ensuring risks are identified timely and portfolio management practices align with the bank's risk appetite and regulatory standards. Lead complex transactions such as syndications and multi‑level capital structures, communicate effectively to solve problems and recommend credit actions, and present proposals in written and verbal formats to committees and meetings.
Monitor that the portfolio stays within acceptable tolerances and published KPIs/KRIs, uphold regulatory and audit review standards, and manage customer relationships directly with Relationship Managers. Work with management on group‑wide initiatives for process and role enhancements, and act as a mentor to junior Underwriting Portfolio Managers. Perform other duties and projects as assigned. All employees serve as risk managers by understanding, reporting, responding to, managing, and monitoring risk as part of F.N.B. Corporation’s risk management program.
Minimum Level of Education Required BA or BS
Minimum # of Years of Job Related Experience Required 3 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 commercial lending (C&I & Cap markets), 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
Compensation Grade EXT09
Pay Range $77,818.00 – $129,688.00
FNB’s total rewards package may include other components such as overtime, incentive, equity and benefits. Salary range is a guideline and is determined by a number of factors including education, experience, skills, internal equity and market conditions. FNB offers a comprehensive benefits package including medical, dental, vision, life insurance, flexible spending accounts, health savings account, 401(k), paid time off, sick time, vacation time and paid holidays, and other voluntary benefits.
Equal Employment Opportunity (EEO) It is the policy of FNB not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, or status as a protected veteran. FNB provides all applicants and employees a discrimination and harassment free workplace.
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Business Unit Credit
Reports to Commercial Credit Underwriting Portfolio Manager Team Leader
Position Overview Responsible for managing a designated commercial loan portfolio, including portfolio management, credit underwriting, and ensuring compliance with bank and regulatory guidelines. The incumbent works on loans and portfolios of lower to medium complexity, requiring significant oversight and quality of underwriting and portfolio management metrics. The incumbent mentors junior team members and assists Commercial Relationship Managers in maintaining client relationships with a high level of creditability.
Primary Responsibilities Underwrite, monitor, and analyze assigned commercial portfolios, ensuring risks are identified timely and portfolio management practices align with the bank's risk appetite and regulatory standards. Lead complex transactions such as syndications and multi‑level capital structures, communicate effectively to solve problems and recommend credit actions, and present proposals in written and verbal formats to committees and meetings.
Monitor that the portfolio stays within acceptable tolerances and published KPIs/KRIs, uphold regulatory and audit review standards, and manage customer relationships directly with Relationship Managers. Work with management on group‑wide initiatives for process and role enhancements, and act as a mentor to junior Underwriting Portfolio Managers. Perform other duties and projects as assigned. All employees serve as risk managers by understanding, reporting, responding to, managing, and monitoring risk as part of F.N.B. Corporation’s risk management program.
Minimum Level of Education Required BA or BS
Minimum # of Years of Job Related Experience Required 3 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 commercial lending (C&I & Cap markets), 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
Compensation Grade EXT09
Pay Range $77,818.00 – $129,688.00
FNB’s total rewards package may include other components such as overtime, incentive, equity and benefits. Salary range is a guideline and is determined by a number of factors including education, experience, skills, internal equity and market conditions. FNB offers a comprehensive benefits package including medical, dental, vision, life insurance, flexible spending accounts, health savings account, 401(k), paid time off, sick time, vacation time and paid holidays, and other voluntary benefits.
Equal Employment Opportunity (EEO) It is the policy of FNB not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, or status as a protected veteran. FNB provides all applicants and employees a discrimination and harassment free workplace.
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