Business Banking Underwriter II

S&T Bank•Plum, PA

3d•Onsite

About The Position

Assist with underwriting S&T Bank’s Business Banking loan products in a centralized environment. The role takes a leadership role in day-to-day 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 also supports the Business Banking Lending Manager with projects and reports and provides backup assistance to the Portfolio Manager as needed. The position is based at one of the listed S&T Bank locations in Pennsylvania: Pittsburgh, Greensburg, Irwin, or Indiana. The work schedule is 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 team player.

Responsibilities

Coordinate efficient underwriting workflow, allocate work, monitor the daily work queue, and help ensure timely application turnaround.
Recommend improvements to operating systems, workflow, and procedures, and coordinate schedules to maintain adequate daily coverage.
Underwrite loan applications and make timely lending decisions within delegated lending authority.
Support the development and growth of a high-quality, high-volume loan portfolio while ensuring compliance with applicable lending laws, regulations, policies, and procedures.
Apply consistent and fair treatment to applicants.
Assist with training personnel and assume day-to-day workflow responsibilities.
Provide first-level guidance, leadership, judgment, and decision-making support to Business Banking Underwriter I staff.
Apply and document designated override authority for established policy rules and severity levels, and for exceptions to loan policy and guidelines.
Provide clear and timely responses to Business Bankers and Community Banking Managers.
Develop proficiency in 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 federal and state lending laws and regulations, bank lending policies and procedures, and commercial and consumer loan products.
Maintain professionalism and integrity and positive working relationships with employees in other departments.
Work independently and collaboratively as a team member.
Support the Business Banking Lending Manager with projects and reports.
Perform additional duties and responsibilities as assigned.