Commercial Banker

First National Bank of Pennsylvania; Cleveland (OH); On-site; USD 70,000 - 110,000; Full time

Job summary

F.N.B. Corporation is seeking a Commercial Banker 3 in Cleveland to drive new and existing commercial loan relationships while efficiently managing a loan portfolio and ensuring credit quality.

You will analyze borrower creditworthiness, prepare loans for presentations, and promote the bank within the community. The role requires a BA/BS and at least 10 years in commercial banking or related lending, with strong communication, organizational, and customer service skills and proficiency in MS

Qualifications

• BA or BS degree required.
• 10+ years of experience in commercial banking or lending roles.
• Excellent project management, communication, customer service and interpersonal skills.
• Proficiency with MS Word, Excel, and PowerPoint (intermediate).
• Experience in lending banking and customer-focused positions.

Responsibilities

• Develops new and existing commercial loan relationships and cross-sell banking products.
• Administers a portfolio of commercial loans with attention to credit quality and profitability.
• Determines borrowers' creditworthiness and monitors loan performance.
• Prepares loan documents and presents above-limit loans to committees for approval.
• Promotes the bank's image in the community and supports compliance efforts.

Skills

Excellent project management

Excellent communication

Excellent customer service

Excellent organizational, analytical

Interpersonal skills

PC software proficiency

MS Word - Intermediate

MS Excel - Intermediate

MS PowerPoint - Intermediate

Lending banking experience

Education

BA or BS

Tools

MS Word

MS Excel

MS PowerPoint

Job description

Position Title: Commercial Banker 3

Business Unit: Commercial Banking

Reports To: Commercial Banking Team Leader

Position Overview:

This position is primarily responsible for developing new and existing commercial loan business relationships, administering a portfolio of commercial loans, determining the credit worthiness of borrowers, monitoring loan performance, preparing commercial loans for presentation and promoting the Bank's image in the community in order to meet or exceed commercial loan quality, profitability, growth and service objectives. The incumbent provides the highest quality of service to every customer.

Primary Responsibilities:

• Develops new and existing commercial loan business relationships by calling on potential and existing customers to cross-sell all banking products including other banking services and to promote the Bank's image within limits of current budget and mix of products to develop new and expand existing commercial loan business and achieve profit and growth objectives.
• Administers a portfolio of commercial loans by preparing loans that meet credit quality, profitability, growth and service requirements as determined by portfolio yield, loss ratio, delinquency rate and other measures to achieve profit and growth objectives.
• Determines the credit worthiness of borrowers by making sound analysis of their financial condition, ability to repay the loan and the net realizable value of the collateral in accordance with established policy and procedure to ensure a portfolio of commercial loans that meet the Bank's quality standards.
• Monitors loan performance by maintaining contact with borrowers, monitoring the financial condition of borrowers and resolving problems and when appropriate waiving a request for financial statements according to established policies, procedures and regulations in an accurate and timely manner to reduce risk the Bank might incur from collateral deterioration or borrowers' inability to pay.
• Prepares loan documents that are in compliance with bank regulations for presentation, presents loans that are above the incumbent's lending limit to the loan committee or officer with higher lending limits communicating all elements of the loan to ensure compliance with regulations and to enhance the ability to make sound credit decisions.
• Promotes the Bank's image in the community by participating in community activities, coordinating community development efforts, promoting involvement and participation in community service organizations to assist in compliance with the Community Reinvestment Act, presents a favorable image in the community and establishes contacts that could generate new business.
• Develops and maintains an adequate level of knowledge in Commercial Banking, general banking and business development matters and demonstrates personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance.
• Implements all compliance policies and procedures within the department and ensures the department staff receives adequate regulatory compliance training to perform job functions in compliance with regulatory requirements and standards, follows corporate Compliance policies and procedures and cooperates fully with all internal and external compliance reviews and examinations.
• 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:

10

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 - Intermediate Level
• MS Excel - Intermediate Level
• MS PowerPoint - Intermediate Level
• Experience in a lending banking position and in an equivalent customer focused position.

Knowledge of banking laws and regulations.

Experience in community and civic activities.

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.