Business Banking Underwriter II
About The Position
Assist in underwriting S&T Bank’s Business Banking loan products in a centralized environment. The role assumes a leadership position in day-to-day underwriting operations and provides first-level support to Business Banking Underwriter I staff and other bank personnel involved in lending activities, including underwriting, concurrences, and low-side override decisions. The position is based at one of the listed locations in Pittsburgh, Greensburg, Irwin, or Indiana, Pennsylvania. Regular hours are Monday through Friday, 8:00 a.m. to 5:00 p.m., with additional hours as necessary to meet department objectives.
Requirements
- Four-year college degree or equivalent, with a major or specialization in Accounting, Finance, or Business.
- Five to ten years of experience in commercial underwriting and related experience in credit analysis, commercial lending, portfolio management, loan review, or special assets.
- Strong interpersonal skills and the ability to work independently and as a motivated team player.
Responsibilities
- Allocate work and help lead underwriting staff, monitoring the daily work queue to support efficient application turnaround.
- Recommend improvements to operating systems, workflow, and procedures, and coordinate schedules to maintain daily coverage and adequate staffing.
- Underwrite loan applications and make timely lending decisions within delegated authority while supporting portfolio quality and growth, regulatory compliance, fairness, and adherence to bank policy.
- Allocate work, assist with personnel training, and manage day-to-day workflow responsibilities.
- Provide guidance, leadership, judgment, and decision-making support to Business Banking Underwriter I staff.
- Apply and document designated override authority consistently for policy rules, severity levels, and exceptions to loan policy and guidelines.
- Provide timely, clear responses to Business Bankers and Community Banking Managers.
- Develop proficiency with the Small Business Central Underwriting System and Portfolio Risk Advisor System.
- Provide backup assistance to the Portfolio Manager as needed.
- Assist with Business Banking loan training in the classroom and through the underwriting system.
- Maintain working knowledge of current and applicable future changes to lending laws and regulations, bank lending policies and procedures, and commercial and consumer loan products.
- Maintain professionalism and integrity and effective working relationships with employees in other departments.
- Support the Business Banking Lending Manager with functions, projects, and reports.
- Assume additional duties and responsibilities as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
