Commercial Banker V

S&T Bank; Camp Hill (Cumberland County); On-site; USD 95,000 - 284,000; Full time

Job summary

S&T Bank in Camp Hill, PA, is seeking a senior Commercial Banker who handles highly complex commercial banking activities and oversees relationships with assigned and prospective customers.

You will interview clients, analyze financial data for loan structuring, and oversee documentation for loan committees, while developing new business through proactive outreach. Mentoring others, delivering treasury solutions, and ensuring policy compliance are key aspects of the role.

Qualifications

• Experience interviewing commercial loan customers and analyzing financial data.
• Knowledge of loan structuring and risk assessment.
• Ability to mentor less experienced bankers.
• Strong interpersonal and teamwork skills.

Responsibilities

• Interview customers and prospective customers and prepares documentation for commercial loans, including collecting and analyzing financial data for loan structuring.
• Maintain aggressive commercial calling program for new and existing customers.
• Review final loan documentation to determine appropriate recommendations.
• Assume responsibility for complex accounts and provide mentoring to less experienced bankers.
• Carry out business development activities to identify bank prospects.
• Ensure compliance with loan policies and assist in policy development.
• Work with customers to establish tailored Treasury Management services.
• Respond to customer questions and resolve problems.
• Monitor loan portfolio performance and document reviews.
• Maintain good working relationships with bank staff and collaborate as a team.
• Assume additional responsibilities as required.

Skills

Financial analysis

Relationship management

Commercial lending

Training others

Education

Bachelor's degree in finance or business

Job description

Function: Assumes responsibility for highly complex activity for commercial banking and has a direct responsibility for banking relationships with assigned customers and prospective commercial customers.

Duties and Responsibilities:

• Interviews customers and prospective customers and prepares documentation for commercial loans including:
  • Collecting and analyzing financial data for proper loan structure for written/verbal presentation to loan committee.
  • Maintaining aggressive commercial calling program for new and existing customers.
  • Assisting other Bankers in governmental lending programs.
  • Attending and participating in community affairs to promote the bank's image.
• Reviews final loan documentation to determine appropriate recommendations.
• Assumes responsibility for complex accounts and provides training and guidelines to less experienced Bankers.
• Carries out a variety of business development activities to identify bank prospects.
• Ensures compliance with existing loan policies and procedures and assists in policy development and modification.
• Works with customers to establish personalized Treasury Management services according to the customer's needs.
• Receives and responds to various customer questions and solves customer problems.
• Reviews Collateral Protection Reports and determines appropriate course of action.
• Monitors and documents performance of existing loan portfolio through call memos, site visits, financial collection and review, Credit quality related report reviews
• Provides mentoring and guidance to less seasoned Commercial Bankers given level of experience.
• Contacts delinquent loan customers.
• 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.

Physical Demands / Work Environment:

Requires the use of manual dexterity skills for typing up to 25% of the business day. Specific vision requirements include close vision of 18"-20", distance vision and depth perception for computer work and travel. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Offered rates and salaries may vary based on geographic location, market data and on experience, education, and evidenced position specific skill requirements.

For roles that are incentive eligible, payment is based upon the plan document and company, business, and/or individual performance.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

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)

Salary Range:

$95,000.00 - $283,500.00