What are the responsibilities and job description for the Consumer Loan Underwriter position at F.N.B. Corporation?
Primary Office Location:
626 Washington Place. Pittsburgh, Pennsylvania. 15219.
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Position Title: Retail Lending Loan Underwriter 2
Business Unit: Retail Lending
Reports To: Varies Based on Assignment
Position Overview
This position description covers underwriting positions for Direct, Indirect or Small Business Lending. This position is primarily responsible for new loan application analysis, underwriting and declination review noting that the importance of this function impacts long term company goals and objectives. The incumbent plays a major role in the acquisition of loan assets utilizing appropriate risk management discipline. The incumbent deals with more complex transactions, more in-depth analysis and aides junior underwriters with training and loan decisions.
Primary Responsibilities
Reviews loan applications from consumers and small businesses within the Bank’s delivery channels or directly through dealer channels to evaluate a degree of risk involved and determines the acceptance of applications. Verifies all application information for accuracy and completeness though validation of loan data against documentation provided.
Develops and administers a portfolio of loans by analyzing applications and credit reports obtaining approval for loans that are underwritten within established lending limits. Evaluates the quality of credit applications in order to originate a profitable loan portfolio, protect the Bank from loss and to provide the highest quality of service to deliver best in class loan fulfillment services.
Meets or exceeds the Bank’s credit quality, profitability, growth and service objectives without compromising quality according to established guidelines and procedures and measured by an acceptable delinquency ratio, net charge-off and growth goals in order to originate a profitable portfolio.
Develops partnerships with loan processors and Bank branch personnel to improve overall customer satisfaction. Maintains the customer relationships that were developed by the loan originators including Bank branch personnel and the Business Development and Underwriter.
Acts as a primary credit decision entity for loans in the department and provides leadership and guidance to developing underwriters. Typically, the incumbent has a higher level of lending authority.
Resolves customer and branch complaints or problems by investigating the complaint including obtaining facts, documenting information and proposing solutions that comply with government regulations and are in accordance with established policies and procedures timely and courteously in order to ensure an equitable settlement of the complaint or problem.
Performs operational duties such as ensuring lien perfections and insurance protection and analyzing credit reports according to established loan policies and procedures and in a timely manner to protect the Bank from loss and ensure compliance with established in-house and regulatory requirements.
Sells Bank products and services by making an effort to understand the banking needs and expectations of customers, maintaining an adequate level of knowledge of products and services offered, looking for opportunities to sell products and services to meet the needs and expectations of customers and by providing excellent customer service.
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 Education
BA or BS
Minimum Years Experience
5
Special Skills
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
Special Licenses And Certificates
N/A
Physical Requirements
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 harassment free workplace.
626 Washington Place. Pittsburgh, Pennsylvania. 15219.
Join our team. Make a difference - for us and for your future.
n
Position Title: Retail Lending Loan Underwriter 2
Business Unit: Retail Lending
Reports To: Varies Based on Assignment
Position Overview
This position description covers underwriting positions for Direct, Indirect or Small Business Lending. This position is primarily responsible for new loan application analysis, underwriting and declination review noting that the importance of this function impacts long term company goals and objectives. The incumbent plays a major role in the acquisition of loan assets utilizing appropriate risk management discipline. The incumbent deals with more complex transactions, more in-depth analysis and aides junior underwriters with training and loan decisions.
Primary Responsibilities
Reviews loan applications from consumers and small businesses within the Bank’s delivery channels or directly through dealer channels to evaluate a degree of risk involved and determines the acceptance of applications. Verifies all application information for accuracy and completeness though validation of loan data against documentation provided.
Develops and administers a portfolio of loans by analyzing applications and credit reports obtaining approval for loans that are underwritten within established lending limits. Evaluates the quality of credit applications in order to originate a profitable loan portfolio, protect the Bank from loss and to provide the highest quality of service to deliver best in class loan fulfillment services.
Meets or exceeds the Bank’s credit quality, profitability, growth and service objectives without compromising quality according to established guidelines and procedures and measured by an acceptable delinquency ratio, net charge-off and growth goals in order to originate a profitable portfolio.
Develops partnerships with loan processors and Bank branch personnel to improve overall customer satisfaction. Maintains the customer relationships that were developed by the loan originators including Bank branch personnel and the Business Development and Underwriter.
Acts as a primary credit decision entity for loans in the department and provides leadership and guidance to developing underwriters. Typically, the incumbent has a higher level of lending authority.
Resolves customer and branch complaints or problems by investigating the complaint including obtaining facts, documenting information and proposing solutions that comply with government regulations and are in accordance with established policies and procedures timely and courteously in order to ensure an equitable settlement of the complaint or problem.
Performs operational duties such as ensuring lien perfections and insurance protection and analyzing credit reports according to established loan policies and procedures and in a timely manner to protect the Bank from loss and ensure compliance with established in-house and regulatory requirements.
Sells Bank products and services by making an effort to understand the banking needs and expectations of customers, maintaining an adequate level of knowledge of products and services offered, looking for opportunities to sell products and services to meet the needs and expectations of customers and by providing excellent customer service.
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 Education
BA or BS
Minimum Years Experience
5
Special Skills
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
Special Licenses And Certificates
N/A
Physical Requirements
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 harassment free workplace.