Business Banking Underwriter 1 at F.N.B. Corporation in Baltimore, MD

Summary: F.N.B. Corporation is a financial institution seeking a Business Banking Underwriter 1. The role involves preparing financial analyses of commercial loan customers, conducting credit investigations, and making recommendations regarding borrowers' creditworthiness while ensuring compliance with established policies and procedures. Responsibilities: - 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 document - 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 procedures - 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 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 performance - Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements - 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 Required Qualifications: - BA or BS - 1 year of job related experience - 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 (C&I, IRE, Muni, and NFP), underwriting practices, and banking practices - Knowledge of commercial banking policies, procedures and government regulations Required Skills: MS Word, MS Excel, MS PowerPoint, Commercial Lending, Underwriting Practices, Commercial Banking Policies, Government Regulations, Project Management Benefits: FNB’s total rewards package may include other components such as: overtime, incentive, equity and benefits., FNB offers a comprehensive benefits package including but not limited to, medical, dental, vision, life insurance, flexible spending accounts, health savings account, 401(k), paid time off, including sick time, vacation time, and paid holidays, and other voluntary benefits.