Business Banker

F.N.B. Corporation; Lancaster (Lancaster County); On-site; USD 65,000 - 90,000; Full time

Job summary

F.N.B. Corporation seeks a Business Banker 2 to develop and manage business relationships in the commercial banking unit. The role involves analyzing creditworthiness, administering a loan portfolio, and contributing to profit and growth while delivering top-tier service.

You will maintain client contact, assess banking needs, and promote products and services in line with policy. Excellent communication and relationship-building skills are essential for success.

Qualifications

• BA or BS required.
• Minimum of 3 years in business banking or related field.
• Strong communication and customer service skills.
• Solid knowledge of lending laws and regulations.
• Experience in business development and community activities preferred.

Responsibilities

• Develops and maintains business relationships with clients and prospects.
• Analyzes credit worthiness and loan repayment ability.
• Administers loan portfolio to meet policies and profitability goals.
• Monitors loan performance and mitigates risk through proactive actions.
• Promotes the Bank’s image through community involvement and service organizations.
• Provides high-quality service and supports risk management for daily activities.

Skills

Project management

Communication

Customer service

Organizational skills

Interpersonal skills

PC proficiency

MS Word

MS Excel

MS PowerPoint

Commercial banking

Lending regulations

Business development

Education

BA or BS

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, developing and administering a portfolio of loans, analyzing credit worthiness, monitoring loan performance and promoting the Bank’s image in order to develop new and expand existing loan deposit and overall business relationships and contribute to the Bank’s profit and growth objectives. The incumbent provides the highest quality of service to every customer.

Primary Responsibilities

Develops, manages and maintains business relationships by profiling and maintaining relationships, determining banking needs, selling products and services to meet needs, resolving poor performance and other problems in a professional manner to develop new and expend existing loan deposit and overall business relationships and contribute to the Bank’s profit and growth objectives.

Develops and administers a portfolio of loans by making sound credit analysis of customer’s financial condition and ability to repay according to established policies, procedures and objectives such as portfolio yield, loss ratio and delinquency while providing excellent customer service contributing to the Bank's profit and growth objectives.

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

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

Promotes the Bank’s image by participating in community development activities and service organizations without jeopardizing other responsibilities and in compliance with the Community Reinvestment Act requirements in order to present a favorable image in the community and establish contacts that could generate new business.

Develops and maintains a personal program for maintaining an adequate level of knowledge in business development, lending and other banking matters and demonstrates personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.

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

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.