Commercial Banker

S&T Bank • North Shore, VA

2d • $65,000 - $161,700 • Onsite

About The Position

Assumes the primary responsibility for managing existing and growing commercial banking relationships. This role involves interviewing customers and prospective customers to identify loan and deposit opportunities, developing and enhancing banking relationships with commercial customers by selling loan, deposit, and fee products/services, and collecting and analyzing financial data for proper loan structure for presentation to the loan committee. The Commercial Banker is responsible for managing a commercial calling program for existing customers, driving commercial customer growth, and negotiating customer loan documentation. Additionally, this role carries out business development activities to identify bank prospects and develops key centers of influence. Collaboration with commercial banking and credit teams is essential for preparing new loan requests and committee presentations, ensuring compliance with loan policies and procedures, and working with Product partners to establish products and services for commercial customers. The position also involves responding to customer inquiries, participating in loan portfolio review meetings, and collaborating with Portfolio Managers to manage the existing loan portfolio. Monitoring and documenting the performance of the loan portfolio through call memos, site visits, financial reviews, and managing loan payment delinquency are key aspects of the role. Maintaining good working relationships with bank employees and demonstrating strong interpersonal skills are also important.

Requirements

• Requires a four-year college degree or equivalent, major in Business or related fields
• Ten years specialized lending experience

Responsibilities

• Interviews customers and prospective customers to identify loan/deposit opportunities
• Develops and enhances banking relationships with commercial customers by selling loan, deposit and fee products/services
• Collects and analyzes financial data for proper loan structure for written/verbal presentation to loan committee
• Manages commercial calling program for existing customers
• Responsible for commercial customer growth
• Negotiates customer loan documentation and facilitates loan closing, with minimal assistance from Team Lead
• Carries out a variety of business development activities to identify bank prospects and develops key centers of influence
• Collaborates with commercial banking and credit teams to prepare new loan requests, prescreens and committee presentations
• Ensures compliance with existing loan policies and procedures
• Works with Product partners including Treasury Management and Private Banking to establish products/services for commercial customers
• Responds to various customer questions and as needed directs to appropriate party and provides follow through
• Actively participates in monthly and quarterly loan portfolio review meetings
• Collaborates with Portfolio Managers to manage existing loan portfolio
• Monitors and documents performance of existing loan portfolio through call memos, site visits, financial collection/ review, including annual reviews and business development plans
• Monitors maturing loans and financial/covenant/documentation exceptions
• Manages loan payment delinquency within their portfolio
• 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

Benefits

• 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)
• S&T Bank believes in Equal Opportunity for all and is committed to ensuring all individuals, including individuals with disabilities, have an opportunity to apply for those positions that they are interested in and qualify for without regard to race, religion, color, national origin, citizenship, sex, sexual orientation, gender identity, age, veteran status, disability, genetic information, or any other protected characteristic.
• S&T Bank is also committed to providing reasonable accommodations to qualified individuals so that an individual can perform their job related duties.
• If you are interested in applying for an employment opportunity and require special assistance or an accommodation to apply due to a disability, please contact us at: Phone: [phone] Email: [email protected]

What This Job Offers

• Job Type: Full-time
• Career Level: Senior