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F.N.B. Corporation · 2 months ago

Small Business Lending Underwriter

Hermitage, PA

Full-time

Onsite

Mid Level

3+ years exp

F.N.B. Corporation is a financial institution committed to making a difference for its clients and employees. They are seeking a Small Business Lending Underwriter who will be responsible for analyzing loan applications, assessing risk, and ensuring compliance with bank policies and regulatory requirements.

BankingFinanceFinancial Services

H1B Sponsor Likely

Responsibilities

Reviews loan applications from consumers and small businesses within the Bank’s delivery channels or directly through dealer channels to evaluate a degree of risk involved and determines the acceptance of applications

Verifies all application information for accuracy and completeness though validation of loan data against documentation provided

Pays appropriate attention to proper ordering of documentation to lessen the Bank’s potential risk of loss considering a broad array of credit related information including repayment capacity, collateral valuations, credit histories, other banking relationships and regulatory impact in reaching final credit decisions

Takes responsibility for compliance to Bank’s policies and procedures for underwriting loans depending on assignment

Complies with regulations regarding declinations and notification is sent within stated time frames

Develops partnerships with loan processors and Bank branch personnel to improve overall customer satisfaction

Maintains the customer relationships that were developed by the loan originators including Bank branch personnel and the Business Development and Underwriter

Performs tax return analysis to develop the self-employed borrower’s income

Obtains and compiles copies of loan applicants' credit histories, corporate financial statements, tax returns, collateral valuations and other financial information

Reviews the appraisal report for accuracy and completeness

Takes responsibility for final approval of documents

Continually educates other Bank personnel on policy, credit risk tolerance and regulatory factors involving all relevant loan issues

Stays abreast of new types of loans and other financial services and products to better meet customers' needs

Approves loans up to and including a set loan authority

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

Qualification

Loan underwritingRisk managementTax return analysisCredit history evaluationAnalytical skillsCustomer serviceMS WordMS ExcelMS PowerPointProject managementCommunication skillsOrganizational skillsInterpersonal skills

Required

Four (4) years of commensurate experience or two (2) years of commensurate experience with an associate degree in lieu of the education requirement

BA or BS

3 years of 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

Company

F.N.B. Corporation

Glassdoor3.9

F.N.B. Corporation (NYSE: FNB) is a diversified financial services company headquartered in Pittsburgh, PA.

Founded in 1864

Hermitage, Pennsylvania, USA

1001-5000 employees

https://www.fnb-online.com

H1B Sponsorship

F.N.B. Corporation has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (5)

2024 (2)

2023 (3)