Commercial Banker V

S&T Bank•Camp Hill, AL

3d•$95,000 - $283,500

About The Position

The Commercial Banker V assumes responsibility for highly complex commercial banking activities and manages banking relationships with assigned and prospective commercial customers. The role evaluates customer financial information, develops loan structures and recommendations, supports business development, and monitors the performance and credit quality of an existing loan portfolio. It also provides guidance and training to less experienced Commercial Bankers, supports customer Treasury Management needs, and helps ensure compliance with loan policies and procedures.

Requirements

Strong interpersonal skills.
Ability to work independently and contribute as a motivated team player.

Responsibilities

Interview customers and prospective customers and prepare commercial loan documentation.
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 in developing and modifying policies.
Work with customers to establish personalized Treasury Management services based on 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 experienced Commercial Bankers.
Contact delinquent loan customers.
Maintain good working relationships with bank employees and contribute independently and as a team member to departmental and organizational success.
Assume additional responsibilities as required.