Regional Credit Officer

Primary Office Location

101 N 2nd Street.
Harrisburg, Pennsylvania.
17101.

Position Overview

This position is primarily responsible for the oversight and direction of an entire assigned lending territory including origination, development and maintenance of profitable business relationships, developing, implementing, interpreting and maintaining lending policies and procedures and ensuring all lending programs comply with federal and state regulations as well as Bank policy. The incumbent is part of the senior management team and participates in the Bank’s overall management and planning.

Primary Responsibilities

• Provides loan underwriting and structuring guidance and support for an assigned lending region.
• Reviews underwriting requests for compliance with Bank policy and regulatory requirements.
• Provides credit approval for requests within defined lending authority that meet the Bank’s underwriting standards and lending objectives.
• Supports the Bank’s established lending goals while maintaining desired asset quality levels.
• Affords mentoring, guidance and support of assigned lending team.
• Affords assistance and mentoring to credit analysts with difficult credit underwriting issues.
• Affords assistance and mentoring to lending staff in identifying appropriate risk ratings.
• Affords assistance and mentoring to lending staff in managing criticized assets.
• Monitors loan exception items for assigned regions and works with lending team to resolve.
• Monitors regional credit quality issues such as delinquency, etc.
• Participates as a member of SACC for respective regional credits.
• Affords assistance in reviewing, analyzing and integrating acquisition opportunities.

Minimum Education and Experience

• Bachelor's Degree (BA or BS)
• 10 years of relevant experience

Special Skills

• Excellent 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
• MBA preferred
• Experience in banking, finance or a related field
• Knowledge of banking regulatory and compliance issues preferred

Physical Requirements

N/A

Equal Employment Opportunity (EEO)

F.N.B. Corporation (FNB) and its affiliates do not discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace. FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.