Commercial Banker

S&T Bank•Baltimore, MD

1d•$95,000 - $283,500•Onsite

About The Position

The Commercial Banker assumes responsibility for highly complex commercial banking activity and manages banking relationships with assigned customers and prospective commercial customers. The role interviews customers and prospects, prepares commercial loan documentation, reviews final loan documents, and recommends appropriate actions. It monitors existing loan portfolio performance, supports compliance with loan policies, and participates in business development. The Commercial Banker also works with customers to establish personalized Treasury Management services, responds to customer questions and problems, and mentors less experienced Commercial Bankers. The position is based at one of the listed Pennsylvania locations: West Chester, Camp Hill, or Lancaster. Scheduled hours are Monday through Friday, 8:00 a.m. to 5:00 p.m., with additional hours as necessary to meet department objectives. Physical demands include typing with manual dexterity for up to 25% of the business day and close vision at 18–20 inches, 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 compensation may vary based on geographic location, market data, experience, education, and position-specific skills. Incentive-eligible compensation is based on the applicable plan document and company, business, and/or individual performance.

Requirements

Strong interpersonal skills.
Ability to work independently and as a motivated team player.
Manual dexterity for typing for up to 25% of the business day.
Close vision at 18–20 inches, distance vision, and depth perception for computer work and travel.

Responsibilities

Interview customers and prospective customers and prepare documentation for commercial loans.
Collect and analyze financial data to develop appropriate loan structures for written or verbal presentation to the loan committee.
Maintain an aggressive commercial calling program for new and existing customers.
Assist other Bankers with governmental lending programs.
Attend and participate in community affairs to promote the bank’s image.
Review final loan documentation and determine appropriate recommendations.
Manage complex accounts and provide training and guidelines to less experienced Bankers.
Conduct business development activities to identify bank prospects.
Ensure compliance with existing loan policies and procedures and assist with policy development and modification.
Work with customers to establish personalized Treasury Management services according to their needs.
Respond to customer questions and resolve customer problems.
Review Collateral Protection Reports and determine appropriate courses of action.
Monitor and document existing loan portfolio performance through call memos, site visits, financial collection and review, and credit-quality-related report reviews.
Provide mentoring and guidance to less seasoned Commercial Bankers, based on experience level.
Contact delinquent loan customers.
Maintain effective working relationships with bank employees and contribute independently and as a team player.
Assume additional responsibilities as required.