Entry Level Economic Development Jobs in Pennsylvania

Are you ready to launch your career in the financial services industry? The Commercial Credit Associate role is designed for driven, entry-level professionals who want to grow and thrive in a dynamic environment. This 12-month Commercial Credit Development Program is designed to teach the skills necessary to launch a successful professional career at FNB. The primary objective of this position is to develop credit analysis acumen of middle market companies and real estate developers through hands-on experience in a professional environment. The incumbent associate is accountable for preparation of all aspects of financial analysis of current and prospective commercial customers. The structure of the Development Program fosters professional growth by providing specialized training and stretch assignments throughout the one-year curriculum. This position will put the development program associate on a path to a successful career with FNB, with a solid credit analysis foundation. Successful completion promotes the Associate into another role, and/or another region, and onto a prosperous career path in one of our many business lines or support departments.

Perform Credit Analysis Process

Analyzes the creditworthiness of borrowers, identifies key credit issues and prepares full written analysis according to available information and established policies and procedures accurately and timely including completion of the entire underwriting document.

Leverage Technology Tools and Skills

Utilizes software to complete financial spreads, risk ratings, covenant tests, cash flow and global cash flow accurately and timely to aid in the analysis of a borrower's creditworthiness according to established policies and procedures.

Research and Analyze Trends

Research available data including internet sources and subscription-based utilities as available and summarizes information regarding current and projected status of certain industries and borrowers of Bank services along with general economic trends and conditions according to the availability of research data to aid in the quality of lending decisions.

Collaboration and Compliance

Perform credit risk analysis for FNB Lines of Business across the organization, which includes Commercial Banking, Asset Based Lending, Equipment Finance, Business Banking, and Investment Real Estate.

Self-Motivated Learning and Development

Develops a personal program for maintaining an adequate level of knowledge in banking matters, compliance, credit analysis, policies and procedures and personal skills and demonstrates interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance.

Community Involvement

Participate in social engagements that promote community involvement, as well as capitalize on networking opportunities with our leadership team. Develop professional relationships with tenured bankers through regular contact and in-person meetings.

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.

Communication: Excellent verbal, written, and presentation skills

Organized and Detail-Oriented: Ability to manage multiple tasks with attention to detail

Analytical Skills: Ability to analyze data and provide insights

MS Excel - Intermediate Level

MS Word - Intermediate Level

Ability to use a personal computer and job-related software

Ability to work and multi-task in a fast paced environment

Financial services experience through internships or campus activities

Strong leadership skills as demonstrated through extracurricular and community activities preferred

Minimum Level of Education Required: BA or BS

Minimum Years of Experience Required: 0

Licensures/Certifications Required: N/A

Additional Physical Requirements: 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.

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.