Business Banking Underwriter

Primary Office Location:

626 Washington Place. Pittsburgh, Pennsylvania. 15219.

Join our team. Make a difference - for us and for your futur

e.Position Title: Business Banking Underwriter

2Business Unit: Cred

itReports to: Business Banking Underwriting Team Lead

er
Position Overvi

ew:Responsible for preparing financial analyses of current and prospective commercial loan customers, spreading financial statements, analyzing industry and economic conditions, completing cash flow analysis, completing full underwriting presentation and performing credit investigations to make appropriate recommendations as to the creditworthiness of borrowers and protect the Bank from loss. The incumbent provides the highest quality of service to every customer. The incumbent typically works on loans/portfolios of medium complexity as the incumbent’s work requires some oversig

ht.
Primary Responsibilit

ies:Analyzes the creditworthiness of borrowers, identifies key credit issues and prepares full written analysis according to available information and established policies and procedures accurately and timely including completion of the entire underwriting docum

ent.
Utilizes software to complete financial spreads, risk ratings, covenant tests, cash flow and global cash flow accurately and timely to aid in the analysis of a borrower’s creditworthiness according to established policies and proced

ures.
Research available data including internet sources and subscription-based utilities as available and summarizes information regarding current and projected status of certain industries and borrowers of Bank services along with general economic trends and conditions according to the availability of research data to aid in the quality of lending deci

sions.
Develops a personal program for maintaining an adequate level of knowledge in banking matters, compliance, credit analysis, policies and procedures and personal skills and demonstrates interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of perfo

rmance.
Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output impro

vements.
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 des

criptions.
Minimum Level of Education Required to Perform the Primary Responsibilities of thi

s Positi

on:BA or BS
Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of th

i

s Position:3
Skills Required to Perform the Primary Responsibilities of t

his Position:Excellent project mana

gement skillsExcellent communication skills, both writt

en and verbalExcellent organizational, analytical and interpe

rsonal skillsExcellent customer s

ervice skillsAbility to use a personal computer and job-rel

ated softwareMS Word

- Basic LevelMS Excel - Inter

mediate LevelMS PowerPoint

- Basic LevelKnowledge of a wide range of commercial lending (C&I, IRE, Muni, and NFP), underwriting practices, and bank

ing practicesKnowledge of commercial banking policies, procedures and governmen

t regulations
Licensures/Certifications Required to Perform the Primary Responsibilities of

thi

s Position:N/A
Physical Requirements or Work Conditions Beyond Tradition

al

Office Work:N/A


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 harassme

nt free workplace.
FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S.