Business Banker

fnbcorp; Lancaster (Lancaster County); On-site; USD 65,000 - 90,000; Full time

Job summary

F.N.B. Corporation in Lancaster, PA is seeking a Business Banker 2 to develop and manage client relationships within Commercial Banking, and to analyze creditworthiness for a portfolio of loans.

You will promote the Bank’s image, deliver high-quality service, and ensure CRA compliance while working with the Commercial Banking Team Leader. BA/BS and 3 years in business banking are required; strong MS Office skills preferred.

Qualifications

• BA or BS degree required.
• Minimum 3 years of experience in commercial or business banking.
• Strong communication, project management and customer service skills.
• Knowledge of lending laws and regulations.
• Experience in business development and community activities preferred.

Responsibilities

• Develop and maintain business relationships by profiling banking needs and selling products.
• Administer a portfolio of loans; analyze creditworthiness and repayment ability.
• Monitor loan performance and ensure compliance with policies and CRA requirements.
• Promote the Bank’s image through community development and service organizations.
• Provide high-quality service to customers and manage risk daily.

Skills

Project management

Communication

Customer service

Organizational skills

Analytical skills

Interpersonal skills

Education

BA or BS

Tools

MS Word basic

MS Excel intermediate

MS PowerPoint basic

Job description

Primary Office Location:

1650 Crooked Oak Drive Suite 320. Lancaster, Pennsylvania. 17601.

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

Position Title: Business Banker 2

Business Unit: Commercial Banking

Reports To: Commercial Banking Team Leader

Position Overview

This position is primarily responsible for developing, managing and maintaining business relationships; administering a portfolio of loans, analyzing creditworthiness, monitoring loan performance, and promoting the Bank’s image to develop new and expand existing loan deposit and overall business relationships, thereby contributing to the Bank’s profit and growth objectives. The incumbent provides the highest quality of service to every customer.

Primary Responsibilities

Develop and maintain business relationships by profiling and determining banking needs, selling products and services to meet those needs, and resolving performance issues professionally to develop new and expand existing loan deposit and overall business relationships.

Develop and administer a portfolio of loans by conducting sound credit analysis of customers’ financial conditions and ability to repay, in accordance with established policies, procedures and objectives such as portfolio yield, loss ratio and delinquency, while providing excellent customer service.

Analyze creditworthiness by determining the soundness of the loan, understanding the customer’s financial condition, collateral position and ability to repay in accordance with the Bank’s credit quality, profitability and growth objectives, and government regulations, to create a portfolio of quality loans that meet or exceed the bank’s standards.

Monitor loan performance by maintaining contact with borrowers, understanding their financial condition, and resolving problems in an accurate and timely manner to reduce risk from collateral deterioration or borrower’s inability to pay.

Promote the Bank’s image by participating in community development activities and service organizations, while ensuring compliance with the Community Reinvestment Act requirements and maintaining a favorable community image and contacts for new business.

Maintain personal program for continuous knowledge in business development, lending and other banking matters. Demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable level of performance.

Perform other related duties and projects as assigned.

All employees are responsible for risk management, understanding, reporting, responding to, managing and monitoring risk daily in accordance with F.N.B. Corporation’s risk management program.

F.N.B. Corporation is committed to achieving superior compliance with regulatory laws and guidelines. Compliance is a required component of all positions.

Minimum Education

BA or BS

Minimum Years Experience

3

Special Skills

• 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 commercial or business banking.

General knowledge of lending laws and regulations.

Experience in successful business development and community and civic activities preferred.

Special Licenses and Certificates

N/A

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.