Community Development Portfolio Manager

Position Title: Community Development Portfolio Manager

Business Unit: Commercial Banking

Reports to: Manager Community Development Lending and Investing

Position Overview:
This position is primarily responsible for monitoring asset quality and assisting with the administrative functions of the portfolio of Community Development (CD) qualified loans and investments established to ensure achievement of CD and Community Reinvestment Act (CRA) objectives across the corporation's footprint. Performs underwriting and monitoring for both debt and equity commitments. Corresponds with customers, syndicators, non profit organizations to collect data necessary to support the approval, review and renewal of CD relationships. Participate in training as necessary.

Primary Responsibilities:

Monitors the asset quality and administrative functions of each assigned portfolio relationship of construction loans, community development loans and a CRA qualified investment portfolio. The investment portfolio of LIHTC, HTC, EQ2s and other fund investments.

Analyzes the creditworthiness of borrowers, identifies key credit issues and prepares full written analysis including completion of FOCUS underwriting document and all components except spreads and cash flow schedules according to available information and established policies and procedures accurately and timely.

Performs annual reviews of each relationship and monitors interim financial statements and trends within the industry of the client. Trends in community development lending and investing and affordable housing tax credit and grant programs at the federal, state and local level.

Reviews content and accuracy of spreads and cash flow schedules prepared within credit on assigned relationships. Review and monitor construction draws associated with CRA qualified construction loans and capital calls associated with CRA qualified investments.

Handles daily and monthly administration work of the Relationship Manager and ensures work is done promptly and effectively including managing the credit process on behalf of the Relationship Manager by working closely with the Regional Underwriting Managers.

Ensures sound underwriting principals and guidelines are maintained within the accounts they monitor and that these accounts conform to all reporting and regulatory requirements.

Contacts customers directly as required or at the request of the Manager and identifies additional community development lending and investment opportunities as appropriate. Attends calls with the Relationship Manager when warranted.

Identifies, recommends and implements strategies to best reduce the risk of loss to the company in deteriorating client situations and upon review recommends risk rating changes.

Communicates with the Federal Home Loan Bank as needed to facilitate participation in the Community Development products that the FHLB offers to its member banks, AHP application and funding process.

Participates in meeting with the Corporate Responsibility Team, Treasurer, Tax Officer and Investment Management Committee as directed by the Manager to ensure loan and investment targets are achieved. Develop knowledge and understanding of the tax credit models and build familiarity with and understanding of federal, state and local loan and grant programs.

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:

7

Skills Required to Perform the Primary Responsibilities of this Position:

Excellent project management skills

Excellent communication skills, both written and verbal

Excellent customer service skills

Excellent organizational, analytical and interpersonal skills

Ability to use a personal computer and job-related software

MS Word - Basic Level

MS Excel - Intermediate Level

MS PowerPoint - Basic Level

Experience in a related position.

Knowledge and understanding of loan documentation, external regulations, accounting and tax laws.

Formal credit training and a basic understanding of CRA is preferred.

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

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work:

N/A

Compensation Grade:

Pay Range:

FNB's total rewards package may include other components such as: overtime, incentive, equity and benefits. Salary range is a guideline and is determined by a number of factors including education, experience, skills, internal equity and market conditions. We review pay regularly to ensure competitive and equitable pay. FNB offers a comprehensive benefits package including but not limited to, medical, dental, vision, life insurance, flexible spending accounts, health savings account, 401(k), paid time off, including sick time, vacation time, and paid holidays, and other voluntary benefits.

Equal Employment Opportunity (EEO):

It is the policy of FNB not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, or status as a protected veteran. FNB provides all applicants and employees a discrimination and harassment free workplace.