Primary Office Location:
401 S Graham St. Charlotte, North Carolina. 28202.
Position Title: Investment Real Estate Underwriting Portfolio Manager 2
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 medium complexity as the incumbent's work requires some oversight.
Primary Responsibilities:
Responsible for underwriting, monitoring, and analyzing assigned Investment Real Estate portfolio. Ensure risks are identify 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.
Leader on 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.
Monitors and ensures assigned portfolio is within acceptable tolerances as well as published KPIs/KRIs.
Assists 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.
Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements. Acts as a mentor to junior Underwriting Portfolio Managers.
Effectively present proposed credit actions in written analysis document and as necessary, verbally in various committee and meetings.
Performs 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:
BA or BS
Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:
3
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
