Business Banker 2

F.N.B. Corporation; York (York County); On-site; USD 65,000 - 95,000; Full time

Job summary

F.N.B. Corporation seeks a Business Banker 2 to develop and manage a portfolio of business relationships, analyze creditworthiness, and promote the bank’s growth. You will monitor loan performance and deliver high quality service to customers across the Commercial Banking unit.

The role emphasizes relationship development, credit analysis, and compliance with regulations, with opportunities to contribute to strategy and profit objectives.

Qualifications

• BA or BS required, minimum 3 years in business/commercial banking.
• Experience in developing and managing business relationships.
• Knowledge of lending laws and regulations.
• Strong communication and interpersonal abilities.
• Proficiency with standard PC software and banking tools.
• Experience in community and civic activities preferred.
• MS Office tools (Word, Excel, PowerPoint) skills.

Responsibilities

• Develops, manages and maintains business relationships by profiling and understanding client needs and expanding loan deposits.
• Analyzes and administers a portfolio of loans, assessing borrower creditworthiness.
• Monitors loan performance and ensures adherence to policies and regulations.
• Promotes the Bank’s image through community involvement and service organizations.
• Provides exceptional customer service and professional guidance to clients.
• Maintains ongoing knowledge of business development and lending practices.
• Performs additional duties as assigned by management.
• Acts as a risk manager by identifying and reporting daily risk exposures.

Skills

Communication

Relationship building

Credit analysis

Customer service

Analytical thinking

Interpersonal skills

Initiative

Problem solving

Education

BA or BS

Tools

MS Word

MS Excel

MS PowerPoint

Job description

Primary Office Location: 220 St. Charles Way. York, Pennsylvania. 17402.

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.