Investment Real Estate Underwriting Portfolio Manager 3
F.N.B. Corporation, Berwyn, PA, United States
Join our team. Make a difference - for us and for your future.
Primary Office Location
101 N 2nd Street. Harrisburg, Pennsylvania. 17101.
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
Underwriting, monitoring, and analyzing assigned Investment Real Estate portfolio. Ensure risks are identified timely, maintaining a high degree of accuracy and quality underwriting, and portfolio management practices are aligned with the bank's risk appetite and heightened regulatory standards.
Maintain professional development and measurable objectives.
Lead complex transactions including construction loans and related monitoring, multi-level capital structures, and/or large developments while demonstrating excellent communication skills in a clear, concise manner to effectively solve problems/make recommendations regarding credit structure, risk, appropriate risk ratings and policy compliance.
Monitor and ensure assigned portfolio is within acceptable tolerances as well as published KPIs/KRIs.
Assist Commercial Relationship Managers in the management of client relationships while maintaining a high degree of creditability. Optimize customer relationships working directly with Relationship Managers.
Ensure sustained satisfactory reviews by regulators, internal auditors, external auditors, and loan review for depth of underwriting, identification of policy exceptions, and appropriate underwriting stress analysis of credits underwritten.
Work with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements. Act as a mentor to junior Underwriting Portfolio Managers.
Effectively present proposed credit actions in written analysis documents and, as necessary, verbally in various 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 to Perform the Primary Responsibilities of this Position
Bachelor of Arts or Bachelor of Science
Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position
5 years
Skills Required to Perform the Primary Responsibilities of this Position
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 to Perform the Primary Responsibilities of this Position
N/A
Physical Requirements Or Work Conditions Beyond Traditional Office Work
Travel may be required on occasion.
Compensation Grade
EXT11
Pay Range
$83,096.00 - $156,910.00
Benefits
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. We review pay regularly to ensure competitive and equitable pay. FNB offers a comprehensive benefits package including medical, dental, vision, life insurance, flexible spending accounts, health savings account, 401(k), paid time off, including 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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Primary Office Location
101 N 2nd Street. Harrisburg, Pennsylvania. 17101.
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
Underwriting, monitoring, and analyzing assigned Investment Real Estate portfolio. Ensure risks are identified timely, maintaining a high degree of accuracy and quality underwriting, and portfolio management practices are aligned with the bank's risk appetite and heightened regulatory standards.
Maintain professional development and measurable objectives.
Lead complex transactions including construction loans and related monitoring, multi-level capital structures, and/or large developments while demonstrating excellent communication skills in a clear, concise manner to effectively solve problems/make recommendations regarding credit structure, risk, appropriate risk ratings and policy compliance.
Monitor and ensure assigned portfolio is within acceptable tolerances as well as published KPIs/KRIs.
Assist Commercial Relationship Managers in the management of client relationships while maintaining a high degree of creditability. Optimize customer relationships working directly with Relationship Managers.
Ensure sustained satisfactory reviews by regulators, internal auditors, external auditors, and loan review for depth of underwriting, identification of policy exceptions, and appropriate underwriting stress analysis of credits underwritten.
Work with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements. Act as a mentor to junior Underwriting Portfolio Managers.
Effectively present proposed credit actions in written analysis documents and, as necessary, verbally in various 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 to Perform the Primary Responsibilities of this Position
Bachelor of Arts or Bachelor of Science
Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position
5 years
Skills Required to Perform the Primary Responsibilities of this Position
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 to Perform the Primary Responsibilities of this Position
N/A
Physical Requirements Or Work Conditions Beyond Traditional Office Work
Travel may be required on occasion.
Compensation Grade
EXT11
Pay Range
$83,096.00 - $156,910.00
Benefits
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. We review pay regularly to ensure competitive and equitable pay. FNB offers a comprehensive benefits package including medical, dental, vision, life insurance, flexible spending accounts, health savings account, 401(k), paid time off, including 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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