n

Position Title: Commercial Credit Underwriter

Business Unit: Credit

Reports to: Regional Underwriting Manager

Position Overview:

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, completing full underwriting presentation and performing credit investigations to make recommendations as to the creditworthiness of borrowers and protect the Bank from loss with a focus on the larger relationships. The incumbent provides the highest quality of service to every customer.

Primary 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 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 performance.

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 policy compliance.

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 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 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:

5

Skills Required to Perform the Primary Responsibilities of this Position:

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 government regulations.

Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work:

N/A