Commercial Banker V

S&T Bank; Rohrerstown (PA); Sur place; USD 95 000 - 284 000; Plein temps

Résumé du poste

S&T Bank is seeking a highly experienced Commercial Banker to manage complex commercial loan relationships and develop new business. You will prepare and review loan documentation, analyze financial data, and coordinate with loan committees to structure optimal financing solutions.

The role emphasizes mentoring, community engagement, and adherence to loan policies while delivering tailored treasury management services to clients.

Qualifications

• Experience in commercial loan origination and documentation.
• Ability to collect and analyze financial data for loan structures.
• Strong interpersonal skills and ability to mentor junior bankers.

Responsabilités

• Interview customers and prospective customers and prepare documentation for commercial loans.
• Analyze financial data for proper loan structure and present to loan committee.
• Maintain aggressive commercial calling program for new and existing customers.
• Assist other Bankers in governmental lending programs.
• Promote the bank's image through community involvement.
• Review final loan documentation and provide recommendations.
• Provide training to less experienced Bankers.
• Identify bank prospects through business development activities.
• Ensure compliance with loan policies and procedures.
• Work with customers to establish personalized Treasury Management services.
• Respond to customer questions and resolve issues.
• Review collateral protection reports and determine action.
• Monitor and document loan portfolio performance through memos, site visits, and reviews.
• Mentor less seasoned Commercial Bankers.
• Contact delinquent loan customers.
• Maintain strong working relationships with bank employees.

Connaissances

Commercial lending

Financial analysis

Loan documentation

Customer relations

Treasury management

Mentoring

Business development

Policy compliance

Description du poste

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