Commercial Credit Underwriter - Lancaster, PA
Company: F.N.B Corporation
Posted on: May 16, 2020
PRIMARY OFFICE LOCATION:
1650 Crooked Oak Drive Suite 320. Lancaster, Pennsylvania.
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POSITION TITLE: Commercial Credit Underwriter
BUSINESS UNIT: Credit
REPORTS TO: Regional Underwriting Manager
This position is primarily responsible for preparing financial
analyses of current and prospective commercial loan customers,
spreading financial statements, analyzing industry and economic
conditions, completing cash flow analysis and full underwriting
presentations, performing credit investigations and commercial loan
covenant tracking procedures to make recommendations to the
creditworthiness of borrowers and protect the Bank from loss. The
incumbent is a senior resource to their region, a mentor to less
experienced analysts, and provides the highest quality of service
to every customer.
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 FOCUS underwriting document and all
components thereof with the focus on larger relationships and the
most complex transactions with little or some oversite.
Prepares cash flow and global cash flow analysis for borrowers
according to established policies and procedures accurately and
timely to aid in the analysis of a borrower s creditworthiness.
Utilizes Baker Hill software to spread various types of submitted
financial statements according to established policies and
procedures accurately and timely to aid in the analysis of a
borrower s creditworthiness.
Researches 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 decisions.
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
Acts as effective leader on complex transactions including
syndications, multi-level capital structures, and/or investment
real estate while demonstrating excellent communication skills and
uses those communication skills to voice opinion in a clear,
concise manner to effectively solve problems/make recommendations
regarding credit structure, risk, appropriate risk ratings and
Independently research various industries utilizing available
resources and summarizes information regarding current and
projected status of certain industries, markets, and borrowers of
Bank services along with general economic trends and conditions
according to the availability of research data to aid senior
leaders when making lending decisions.
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
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:
SKILLS REQUIRED TO PERFORM THE PRIMARY RESPONSIBILITIES OF THIS
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 accounting, tax laws, bank policies, procedures and
LICENSURES/CERTIFICATIONS REQUIRED TO PERFORM THE PRIMARY
RESPONSIBILITIES OF THIS POSITION:
PHYSICAL REQUIREMENTS OR WORK CONDITIONS BEYOND TRADITIONAL OFFICE
It is the policy of F.N.B. Corporation and its affiliates 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, or because he or she
is an individual with a disability or disabled veteran, Armed
Forces service metal veteran, recently separated veteran, or active
duty wartime or campaign badge veteran. F.N.B. Corporation and its
affiliates provide all applicants and employees a discrimination
and harassment free workplace.
Please Visit following page for important legal disclosures and
Keywords: F.N.B Corporation, Lancaster , Commercial Credit Underwriter - Lancaster, PA, Other , Lancaster, Pennsylvania
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