Manager of Indirect Lending

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Position Title: Manager of Indirect Lending

Business Unit: Retail Lending

Reports to: Chief Consumer Credit Officer

Position Overview:

This position is primarily responsible for all Indirect Lending functions including business development, underwriting, processing, booking, credit quality, risk management, budgeting, staff administration, product development and profitability oversight. The incumbent is accountable for the indirect line of business in the Bank.

Primary Responsibilities:

Manages a diverse staff to optimize product line profitability by balancing volume with credit policy observance, risk management and pricing discretion.

Develops and oversees a third party origination network to maximize asset acquisition opportunities favored by the company.

Interacts with senior management to achieve targeted goals and objectives in the lines of business.

Monitors key industry trends and reacts to positive or negative changes via policy recommendations, pricing, strategies, business focus and dealer network planning.

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:

10

Skills Required to Perform the Primary Responsibilities of this Position:

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

Experience in pricing models, profitability, credit risk management and principles of finance.

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

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work:

N/A

Equal Employment Opportunity (EEO):

It is the policy of F.N.B. Corporation (FNB) and its affiliates not to 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.