F.N.B. Corporation

Supervisor

• Manage all properties including occupancy, maintenance, construction, relocation and renovation
• Assign and monitor daily tasks for technicians
• Assist in the preparation of cost estimates and negotiation with developers and contractors
• Control expenses and approve payments for goods and services within authority
• Meet with tenants or department heads to discuss matters concerning space, work flow, relocation, alterations or remodeling
• Supervise the preparation of working drawings and plans
• Provide complete and adequate services to maintain facilities in presentation and safety
• Arrange for tours and inspections of a technical nature
• Perform other related duties and projects as assigned

Area Supervisor – Facilities

General

• 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
• Performing credit investigations to make recommendations as to the creditworthiness of borrowers
• Protecting the Bank from loss
• Providing the highest quality of service to customers
• Typically works on loans/portfolios of medium complexity.
• Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements.

Investment Real Estate Underwriter 2

Banker

• Markets private banking products and services to business owners and executives, professionals and Centers of Influence (COI) within an assigned geographic region.
• Opportunities are primarily developed by cultivating a strong referral network of internal associates in Commercial, Retail and Wealth lines of business as well as external COIs such as realtors, accountants and attorneys.
• Constructively interacts with other lines of business partners across a wide range of functional areas to provide a consistently outstanding service level with respect to new loan processing, underwriting and closing, deposit account servicing and expansion, wealth management and insurance relationship development.
• Maintains and develops existing private banking relationships, provides quality service and advice and cross sells products and services including deposits, loans, wealth and insurance services.
• Ensures regular client communication to optimize relationship opportunities.
• Analyzes and evaluates personal financial statements, tax returns, credit bureau reports, appraisals and other credit-related documentation in support of gaining approval for mortgage and consumer loan requests.
• Periodically develops cash flow schedules and provides other credit memoranda in support of loan requests.
• Reviews all related legal documentation and handles client negotiation.
• Develops and maintains a personal program for achieving knowledge of private banking related subject matter including developing associated skills in the areas of consumer and mortgage underwriting, personal finance, wealth management and insurance.
• Demonstrates interpersonal behavior, attitude, judgment, communication and initiative with prospect, clients and associates.
• Performs other related duties and projects as assigned.

Private Banker 2

Mortgage Underwriter

• Reviews individual loan applications per product specific guidelines to evaluate a degree of risk involved
• Verifies all application information for accuracy and completeness
• Performs income analysis to calculate wages or self-employed income
• Reviews the appraisal report for accuracy, completeness and compliance with HUD, VA or USDA housing standards
• Completes required Government forms (VA Notice of Value, FHA Conditional commitment, etc.)
• Takes action to resolve deficiencies according to agency standards and procedures
• Escalates issues to the Agencies as necessary for resolution
• Complies with regulations regarding approvals and declinations
• Ensures the accuracy of HMDA data and FCRA and ECOA decision reasons on adverse actions
• Underwrites loan applications according to appropriate guidelines
• Approves loans up to a set loan authority
• Advises the Loan Originator on proper loan structuring
• Maintains certifications as required by FHA/VA
• Completes other related duties and projects as assigned

Mortgage Underwriter 2

Loan Closer

• Monitoring CD dates
• Generating CDs
• Preparing closing documents
• Net funding of mortgage loans
• Closing coordination
• Providing high customer service
• Managing settlement agent portal
• Validating disclosure histories via Smart LE

Collections

• Manage delinquent loan accounts by working directly with customers to identify solutions, establish payment arrangements, and help bring accounts back to a current status
• Contact customers with past-due accounts to discuss repayment options and establish payment plans
• Negotiate solutions that align with both customer needs and bank guidelines
• Analyze borrower financial situations to determine appropriate collection strategies (Levels II & III)
• Maintain accurate and detailed records of all account activity, communications, and payment arrangements
• Research and resolve account discrepancies, including payment issues and transaction history
• Prepare written correspondence, including demand letters and customer communications
• Partner with internal teams (loan officers, recovery specialists, etc.) to resolve accounts
• Ensure compliance with all regulatory requirements and internal policies

Collections Representative

Underwriter

• Responsible for managing team of Underwriting Portfolio Managers
• Communicate and execute credit underwriting risk strategies
• Ensure compliance with regulatory guidelines
• Manage a small assigned portfolio
• Recruit, hire, train, and oversee team of Underwriting Portfolio Managers
• Ensure direct reports are identifying credit risks timely
• Communicate commercial credit underwriting and portfolio management policies
• Provide guidance to direct reports
• Monitor and ensure that direct reports are managing assigned portfolios within acceptable tolerances
• Ensure sustained satisfactory reviews by regulators, internal auditors, external auditors, and loan review

Commercial Credit Underwriting Portfolio Manager – Team Leader

Manager

• Manages the disposition of OREO assets within the Retail Lending unit while maximizing the return on those assigned properties.
• Manages the repossession efforts and disposition of repossessed assets to minimize expense while maximizing returns at auctions.
• Manages the various collection agencies utilized by the Bank while maintaining controls over the expenses for those agencies.
• Monitors all recovery efforts to ensure that the bank is not being put at risk.
• Maintains all vendor management requirements for those vendors.
• Manages the internal recovery efforts and builds out the recovery team of loan adjustors to maximize recovery dollars.
• Performs other related duties and projects as assigned.

Manager – Asset Recovery

Business Development Rep

• This position is primarily responsible for developing new small business loan and deposit relationships, servicing existing small business relationships, maintaining a prospective customer call program, networking referral sources, conducting prospect blitzes, enhancing the visibility of the Bank in the community and working with business partners to solicit new business in conjunction with the Bank’s strategic and financial objectives.
• Develops new small business relationships and services current small business loan and deposit relationships by prospecting new customers, profiling to identify current and future needs.
• Contacts customers to determine loan, deposit, insurance and investment needs.
• Sells small business products and services that meet identified needs according to the Bank’s pricing and fee schedule.
• Refers the customer to specialists as identified, cross-sells with Branch Manager, owner's personal banking and employee accounts relationship.
• Maintains a prospective customer calling program by using referrals and other methods to identify potential customers.
• Makes cold calls to promote the Bank's products and services.
• Resolves customer problems and follows up to ensure that the situation is satisfactorily resolved.
• Promotes the Bank’s professional image through involvement within the community.
• Regularly contacts sources, attends, recognizes and entertains referrals sources according to the Bank’s policies and procedures to obtain referrals and develop new business relationships.
• Submits reports including business development activity in the prescribed method and in an efficient and timely manner.
• Serves as a leader among peers and a coach to other Business Development Officers and Branch Managers.