SBA Construction Loan Representative

Primary Office Location:

401 S Graham St. Charlotte, North Carolina. 28202.

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

Position Title: SBA Construction Loan Representative

Business Unit: Commercial Banking

Reports to: SBA Construction Loan Manager

Position Overview:

This position is primarily responsible for providing construction management, funding and disbursement services for all SBA Construction loans.

Primary Responsibilities:

Recommends Approval or Declination of contractor and construction project. Funds construction and multi-disbursement loans according to Bank and SBA regulations.

Collects and reviews all closing documents related to construction financing under the SBA 7a, SBA 504 and USDA loan programs. Reviews and approves contractor's financials and qualifications.

Prepares and handles the construction loan closing checklist and works with borrowers, contractors, architects and Bank partners to complete closing documents. Ensures loan complies with SBA/USDA Standard Operating Procedures.

Coordinates with the Business Development Officer and Underwriter in structuring loans involving construction and preparing the loan package construction checklist for submission.

Educates existing and new Business Development Officers on how to structure loans involving different levels of construction.

Performs research activities including gathering information on construction laws and regulations in the city and state of the prospective construction project.

Works with third party vendors for cost review. Orders commercial appraisal reports and environmental reports. Interviews Business Development Officer, borrower and contractor in regard to loan request.

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:

Associates

Minimum#### of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:

3

Skills Required to Perform the Primary Responsibilities of this Position:

Excellent communication skills, both written and verbal

Excellent customer service skills

Excellent project management skills

Detail-oriented

Excellent organizational, analytical and interpersonal skills

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

MS Word- Expert Level

MS Excel- Expert Level

Construction knowledge is required. SBA construction experience 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

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.