Regional Credit Officer

## Primary Office Location:
5229 River Road. Bethesda, Maryland. 20816.

Join our team. Make a difference - for us and for your future.

Position Title: Regional Credit Officer
Business Unit: Credit
Reports To: Senior Credit Officer

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.

Assists with the mentoring, guidance and support of assigned lending team. Assists and mentors credit analysts as needed with difficult credit underwriting issues. Assists lending staff in identifying appropriate risk ratings. Assist in managing criticized assets.

Monitors loan exception items for assigned regions and work with lending team to resolve. Monitors regional credit quality issues such as delinquency, etc.

Participates as a member of SACC for respective regional credits.

Assists with review, analysis and integration of acquisition opportunities.

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 Education:
BA or BS

Minimum Years Experience:
10

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

Special Licenses and Certificates:
N/A

Physical Requirements:
N/A

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Compensation Grade:
EXT17
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Pay Range:
$166,790.00 - $277,992.00
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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.

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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.