First National Bank
Specialty Finance Underwriting Portfolio Manager - Equipment Leasing, Asset-Base
First National Bank, Raleigh, North Carolina, United States, 27601
Position Title:
Specialty Finance Underwriting Portfolio Manager 2
Business Unit:
Credit
Reports to:
Specialty Finance Underwriting Portfolio Manager Team Leader
Position Overview Responsible for managing a designated Commercial loan portfolio supporting Asset Based Lending, Equipment Finance, Debt Capital Markets portfolios, and Counter Party analysis, including portfolio management, credit underwriting, 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 Commercial portfolio. Ensure risks are identified timely, maintaining a high degree of accuracy and quality underwriting, and portfolio management practices are aligned with the bank's risk appetite and regulatory standards. Maintain professional development and measurable objectives.
Leader on complex transactions including syndications, multi-level capital structures, and/or ABL, Equipment Finance relationships while demonstrating excellent communication skills to voice opinion 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 to committee and meetings.
Performs other related duties and projects as assigned.
Minimum Level of Education BA or BS
Minimum Years of Experience 3
Skills Required
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 Commercial lending and underwriting practices, and banking practices, specifically ABL, Equipment Finance, and Capital Markets lines of business
Licensures/Certifications N/A
Physical Requirements or Work Conditions Beyond Traditional Office Work Travel may be required on occasion
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.
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Specialty Finance Underwriting Portfolio Manager 2
Business Unit:
Credit
Reports to:
Specialty Finance Underwriting Portfolio Manager Team Leader
Position Overview Responsible for managing a designated Commercial loan portfolio supporting Asset Based Lending, Equipment Finance, Debt Capital Markets portfolios, and Counter Party analysis, including portfolio management, credit underwriting, 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 Commercial portfolio. Ensure risks are identified timely, maintaining a high degree of accuracy and quality underwriting, and portfolio management practices are aligned with the bank's risk appetite and regulatory standards. Maintain professional development and measurable objectives.
Leader on complex transactions including syndications, multi-level capital structures, and/or ABL, Equipment Finance relationships while demonstrating excellent communication skills to voice opinion 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 to committee and meetings.
Performs other related duties and projects as assigned.
Minimum Level of Education BA or BS
Minimum Years of Experience 3
Skills Required
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 Commercial lending and underwriting practices, and banking practices, specifically ABL, Equipment Finance, and Capital Markets lines of business
Licensures/Certifications N/A
Physical Requirements or Work Conditions Beyond Traditional Office Work Travel may be required on occasion
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.
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