Commercial Banker

S&T Bank•Pittsburgh, PA

1d•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/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 the commercial calling program for existing customers, driving commercial customer growth, and negotiating customer loan documentation and facilitating loan closing with minimal assistance. The role also includes carrying out business development activities to identify bank prospects and developing key centers of influence. Collaboration with commercial banking and credit teams is essential for preparing new loan requests, prescreens, and committee presentations, ensuring compliance with loan policies and procedures. The Commercial Banker will work with Product partners including Treasury Management and Private Banking to establish products/services for commercial customers and respond to customer inquiries, directing them to the appropriate party when necessary. Active participation in monthly and quarterly loan portfolio review meetings and collaboration with Portfolio Managers to manage the existing loan portfolio are key functions. Monitoring and documenting the performance of the existing loan portfolio through call memos, site visits, financial collection/review, annual reviews, and business development plans is required. Additionally, the role involves monitoring maturing loans and financial/covenant/documentation exceptions, and managing loan payment delinquency within their portfolio. Maintaining a good working relationship with bank employees and demonstrating strong interpersonal skills are crucial for success, as is the ability to work independently and as a motivated team player.

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