VP Commercial Relationship Manager III

AmeriServ Financial Inc.; Pittsburgh (Allegheny County); On-site; USD 120,000 - 160,000; Full time

Job summary

AmeriServ Financial Inc. is seeking a seasoned banking professional to develop and expand profitable commercial relationships by identifying financial needs and recommending solutions across loans, deposits, and trust services.

The role emphasizes strong credit judgment, relationship management, cross-selling, and adherence to credit policy, with moderate travel and a commitment to exceptional client service and community involvement.

Qualifications

• Bachelor’s degree in accounting, business, or economics (heavy accounting concentration) or equivalent and at least ten years banking experience with seven years in intense commercial and mortgage lending.

Responsibilities

• Achieve loan, deposit, and fee production goals by growing new and existing relationships.
• Develop a business development calling program targeting customers, prospects, and COIs.
• Cross-sell retail and trust services by profiling needs and referring opportunities to partners.
• Use Sales Tracker to manage opportunities, profiles, and calls.
• Apply credit/financial analysis to prioritize opportunities, assess risk and structure requests.
• Deliver credit presentations to approval authorities, highlighting strengths, weaknesses, mitigants, and recommendations.
• Ensure loan portfolio is properly rated and compliant with regulations and policies.
• Maintain product knowledge to identify cross-sell opportunities and provide excellent service.
• Represent the bank professionally in the community and professional organizations.

Skills

Computer Skills

Customer Focus

Deadline Oriented

Analytical Skills

Ethical Conduct

Education

Bachelors in Accounting or related field

Tools

Sales Tracker

Job description

Primary responsibility of this position is to develop and expand profitable commercial relationships by identifying financial needs and recommending appropriate solutions. Key areas of focus include loans, business services, deposits, related retail, and trust services. Responsibility includes the ability to assess financial performance in a variety of industries, understand and interpret the underwriting process, credit policy and procedures, structure credit relationships and maintain strong customer service standards.

ESSENTIAL FUNCTIONS:

1. Achieve established goals in loan, deposit, and fee production through the development of new and expansion of existing relationships.

2. Implement a comprehensive business development calling program to fulfill the corresponding goals by targeting existing customers, prospects, and center of influence contacts.

3. Expand business customer’s retail and trust relationships by actively profiling needs, cross selling appropriate solutions and referring opportunities / leads to partners within the bank.

4. Understand and comply with the objectives of the internal sales management system (Sales Tracker) to track and update new business opportunities, maintain customer profiles, and record calls.

5. Apply necessary credit and financial analysis skills to prioritize opportunities, assess risk and appropriately structure credit requests.

6. Develop and effectively deliver credit presentations to appropriate approval authorities including the identification of strengths, weaknesses, mitigants, and recommendations for approval of credit requests.

7. Assure that the loan portfolio is properly rated and managed to reduce risk and maintain compliance with external regulations and internal policies.

8. Maintain sufficient Bank and Trust Company product knowledge to identify opportunities and cross sell products and services.

9. Deliver exceptional customer service both internally and externally and fulfill the existing customer service standards within the Bank.

10. Maintain effective, professional and responsive communication both internally and externally at all times.

11. Represent the Bank within the community in a professional manner and be actively involved in a leadership role of appropriate professional, charitable, and civic organizations.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

SUPERVISORY RESPONSIBILITY:

This position requires no supervision of employees.

PHYSICAL DEMANDS:

The employee is frequently required to: 1) Type or otherwise work with fingers; 2) Talk expressing or exchanging ideas by means of the spoken word. Those activities in which they must convey detailed or important spoken instructions to other workers or clients accurately, loudly, or quickly; 3) Hearing – perceiving the nature of sounds at normal speaking levels with/without correction. Ability to receive detailed information through oral communication and make the discriminations in sound. 4) Specific vision abilities required by this job includes viewing a computer monitor, extensive reading and moderate traveling.

Sedentary work may require occasionally lifting of up to 10 pounds and/or move up to 25 pounds. This work involves sitting most of the time with walking and sitting.

TRAVEL:

Moderate travel (could include overnight stays).

COMPETENCIES:

2. Computer Skills

4. Customer/Client Focus

5. Deadline Oriented

6. Analytical Skills

7. Ethical Conduct

A bachelor’s degree in accounting, business, or economics (with a heavy concentration of accounting) or equivalent education and experience is needed along with a minimum of ten (10) years banking experience with at least seven (7) years of intense commercial and mortgage lending experience.

Education

Required

Bachelors or better in Accounting or related field.

Experience

Minimum of ten (10) years banking experience with at least seven (7) years of intense commercial and mortgage lending experience.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.