Commercial Banker III

S&T Bancorp, Inc.; United States; On-site; USD 55,000 - 156,000; Full time

Job summary

S&T Bank is seeking a seasoned Commercial Banking Relationship Manager to manage and grow a portfolio of commercial clients in Indiana, PA and Pittsburgh, PA. The role emphasizes loan and deposit opportunities, financial analysis, and close collaboration with credit and product partners.

Responsibilities include interviewing prospects, structuring loans, maintaining relationships, and leading business development efforts while ensuring compliance with loan policies and delivering outstanding

Qualifications

• Four-year college degree required.
• Five to ten years of bank/lending experience.
• Experience in commercial lending preferred.

Responsibilities

• Interview customers and prospects to identify loan/deposit opportunities.
• Develop and enhance banking relationships with commercial customers by selling loan, deposit and fee products/services.
• Collect and analyze financial data for proper loan structure and presentation to loan committee.
• Manage commercial calling program for existing customers.
• Assist senior team with new business development activities.
• Negotiate customer loan documentation and facilitate loan closings.
• Collaborate with credit and product partners to prepare new loan requests and presentations.

Skills

Interpersonal skills

Independent work

Team collaboration

Communication

Financial analysis

Education

Bachelor's degree in Business or related field

Job description

Location

800 Philadelphia Street Indiana, PA 15701 or 358 N Shore Drive Pittsburgh, PA 15212

Hours

Monday - Friday: 8AM-5PM (Additional hours as necessary to meet the objectives of the department)

Function

Assumes the primary responsibility for managing existing and growing commercial banking relationships.

Responsibilities

• Interviews customers and prospective customers to identify loan/deposit opportunities.
• Develops and enhances banking relationships with commercial customers by selling loan, deposit and fee products/services.
• Collecting and analyzing financial data for proper loan structure for written/verbal presentation to loan committee.
• Manage commercial calling program for existing customers.
• Assists senior team members with new business development activities.
• In conjunction with a senior team member, responsible for negotiating customer loan documentation and facilitating loan closings.
• Carries out a variety of business development activities to identify bank prospects and develop key centers of influence.
• Collaborates with commercial banking team and credit to prepare new loan requests, prescreens and committee presentations.
• Ensures compliance with existing loan policies and procedures.
• Works with product partners including Treasury Management and Private Banking to establish products/services for commercial customers.
• Responds to various customer questions and as needed directs to appropriate party and provides follow through.
• Collaborates with Portfolio Managers to manage existing loan portfolio.
• Monitors and documents performance of existing loan portfolio through call memos, site visits, financial collection/ review, including Annual Reviews and business development plans.
• Monitors maturing loans and financial/covenant/documentation exceptions.
• Manages loan payment delinquency within their portfolio Maintains a good working relationship with bank employees.
• Demonstrates strong interpersonal skills with the ability to work independently, as well as motivated to work as a team player to contribute to the success of the department and in turn, the organization.
• Assumes additional responsibilities as required.

Education & Experience

Education: Requires a four-year college degree or equivalent, major in Business or related fields.Experience: Five to ten years specialized experience.

Physical Demands

Operates a keypad device: 25% of the week.Operates electronic equipment: 20% of the week; operates office equipment: 5% of the week.Travels40% of the week.Physical demands include travel by car to see customers, inspect construction sites, land developments, etc.Lenders also travel out of state to inspect projects, construction sites and meet customers.Requires the use of manual dexterity skills for typing and data entry up to 25% of the business day.Specific vision requirements include close vision of 18”‑20” for computer work.Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Equal Opportunity Employer

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

S&T Bank believes in Equal Opportunity for all and is committed to ensuring all individuals, including individuals with disabilities, have an opportunity to apply for those positions that they are interested in and qualify for without regard to race, religion, color, national origin, citizenship, sex, sexual orientation, gender identity, age, veteran status, disability, genetic information, or any other protected characteristic.

S&T Bank is also committed to providing reasonable accommodations to qualified individuals so that an individual can perform their job related duties.

Salary Range

$55,000.00 - $156,450.00

Contact Information

Phone: [phone]
Email: [e-mail]