Portfolio Manager 1 - Business Credit

Primary Office Location :

626 Washington Place. Pittsburgh, Pennsylvania. 15219.

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

Position Title : Portfolio Manager 1 - Business Credit

Business Unit : Commercial Banking

Reports To : Manager of Portfolio and Collateral Operations - Business Credit

Position Overview :

This position is primarily responsible for monitoring the asset quality and financial performance of Asset Based Lending relationships. The incumbent performs underwriting for assigned relationships, may present annual reviews and renewals, and performs collection, reporting and monitoring of financial statement and other documentation. The incumbent assists in the management and development of business relationships with existing and potential clients, maintains a high degree of creditability and participates in training opportunities as warranted or required.

Primary Responsibilities :

Monitors the asset quality and administrative functions of each assigned portfolio relationship.

Analyzes the creditworthiness of borrowers, identifies key credit issues and prepares full written analysis including completion of FOCUS underwriting document and all components except spreads and cash flow schedules according to available information and established policies and procedures accurately and timely.

Performs annual reviews of each relationship and monitors interim financial statements and trends within the industry of the client.

Reviews content and accuracy of spreads and cash flow schedules prepared within credit on assigned relationships.

Monitors documentation, collateral and financial statement exceptions.

Assists in the new business efforts by preparing Preview Memos and completes underwriting packages on prospects.

Ensures sound underwriting principals and guidelines are maintained while conforming to reporting and regulatory requirements.

Contacts customers directly as required or at the request of the Relationship Manager and identifies additional banking opportunities as appropriate. Attends calls with the Relationship Manager when warranted.

Identifies, recommends and implements strategies to best reduce the risk of loss to the company in deteriorating client situations and upon review recommends risk rating changes.

Participates in Special Assets meetings or conference calls for assigned relationships for assigned regions in conjunction with the Relationship Manager. Prepares and presents shared national credit (SNC) reviews for assigned relationships.

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 :

Special Skills :

Excellent project management skills

Excellent communication skills, both written and verbal

Excellent customer service skills

Excellent organizational, analytical and interpersonal skills

Ability to use a personal computer and job-related software

MS Word - Basic Level

MS Excel - Intermediate Level

MS PowerPoint - Basic Level

Knowledge and understanding of external regulations and accounting and tax laws. Formal credit analysis training and knowledge of Asset Based Lending is preferred.

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.