Commercial Banker 3

First National Bank of Pennsylvania; Hermitage (Mercer County); On-site; USD 90,000 - 130,000; Full time

Job summary

First National Bank of Pennsylvania is seeking a Commercial Banker 3 to drive new and existing commercial loan relationships in the Hermitage area. You will administer loan portfolios, assess creditworthiness, and monitor performance while promoting the bank's image within the community.

The role requires a BA/BS and at least 10 years of banking experience, with strong analytical, communication, and client-relations skills.

Qualifications

• BA or BS degree required.
• 10+ years in commercial lending or related banking roles preferred.
• Experience with commercial loan portfolios and credit analysis.
• Strong analytical and communication abilities.
• Ability to cross-sell banking products and build client relationships.
• Knowledge of banking laws and regulations.

Responsibilities

• Develop new and existing commercial loan relationships through calling on clients and cross-selling banking products.
• Administer a portfolio of commercial loans to meet profitability and risk targets.
• Assess borrower creditworthiness and collateral value per policy.
• Monitor loan performance and borrower financial condition to mitigate risk.
• Prepare loan documents compliant with regulations for loan committee review.
• Promote the Bank's image through active community involvement and outreach.
• Maintain knowledge of Commercial Banking practices and regulatory standards.
• Ensure compliance with company policies and regulatory requirements; participate in reviews.
• Perform other related duties as assigned.

Skills

Project management

Communication skills

Customer service

Organizational skills

Analytical skills

Banking regulations

Community involvement

Education

BA/BS

Tools

MS Word

MS Excel

MS PowerPoint

Job description

Primary Office Location: One F.N.B. Boulevard. Hermitage, Pennsylvania. 16148.

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

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.