Corporate Banking Development Program

Primary office location: 626 Washington Place, Pittsburgh, Pennsylvania 15219.

About the Program

This 12-month Commercial Credit Development Program is designed for driven, entry-level professionals who want to grow and thrive in a dynamic financial-services environment. The program teaches the skills necessary to launch a successful professional career at FNB by developing credit-analysis acumen for middle-market companies and real-estate developers through hands-on experience. Successful completion promotes the associate into another role and/or region, positioning them for a prosperous career path in one of FNB’s business lines or support departments.

Responsibilities

• Analyze the creditworthiness of borrowers, identify key credit issues, and prepare full written analysis—including completion of the entire underwriting document—accurately and timely according to established policies and procedures.
• Leverage software tools to complete financial spreads, risk ratings, covenant tests, cash flow, and global cash flow to aid in the analysis of a borrower’s creditworthiness.
• Research available data (internet sources, subscription-based utilities) and summarize information on current and projected industry status, borrower conditions, and general economic trends to support lending decisions.
• Perform credit-risk analysis across FNB’s lines of business: Commercial Banking, Asset Based Lending, Equipment Finance, Business Banking, and Investment Real Estate.
• Maintain up-to-date knowledge of banking matters, compliance, credit analysis, policies, procedures, and personal skills through self-directed learning.
• Participate in community social engagements to build professional relationships with tenured bankers and capitalize on networking opportunities with FNB’s leadership team.
• Serve as a risk manager by understanding, reporting, responding to, managing, and monitoring the risks encountered daily in accordance with F.N.B. Corporation’s risk-management program.
• Adhere to all regulatory laws and company procedures as a required component of the role.
• Perform other related duties and projects as assigned.

Requirements

• Excellent verbal, written, and presentation communication skills.
• Strong organizational ability and attention to detail, with the capacity to manage multiple tasks in a fast-paced environment.
• Analytical skills to interpret data and provide insights.
• Intermediate-level proficiency in MS Excel and MS Word.
• Ability to use a personal computer and job-related software.
• Financial-services experience through internships or campus activities.
• Strong leadership skills demonstrated through extracurricular and community activities (preferred).

Qualifications

Minimum: BA or BS degree. No prior work experience required.