Commercial Banker

First National Bank • State College, PA • 6d ago

Reference #: 2025-02088 Primary Office Location:117 South Allen Street. State College, Pennsylvania. 16801.

Join our team. Make a difference - for us and for your future. Position Title: Commercial Banker 2 Business Unit: Commercial Banking Reports To: Commercial Banking Team Leader

Position Overview: This position is primarily responsible for developing new and existing commercial loan business relationships, administering a portfolio of commercial loans, determining the credit worthiness of borrowers, monitoring loan performance, preparing commercial loans for presentation and promoting the Bank's image in the community in order to meet or exceed commercial loan quality, profitability, growth and service objectives. The incumbent provides the highest quality of service to every customer.

Primary Responsibilities: Develops new and existing commercial loan business relationships by calling on potential and existing customers to cross-sell all banking products including other banking services and to promote the Bank's image within limits of current budget and mix of products to develop new and expand existing commercial loan business and achieve profit and growth objectives.

Administers a portfolio of commercial loans by preparing loans that meet credit quality, profitability, growth and service requirements as determined by portfolio yield, loss ratio, delinquency rate and other measures to achieve profit and growth objectives.

Determines the credit worthiness of borrowers by making sound analysis of their financial condition, ability to repay the loan and the net realizable value of the collateral in accordance with established policy and procedure to ensure a portfolio of commercial loans that meet the Bank's quality standards.

Monitors loan performance by maintaining contact with borrowers, monitoring the financial condition of borrowers and resolving problems and when appropriate waiving a request for financial statements according to established policies, procedures and regulations in an accurate and timely manner to reduce risk the Bank might incur from collateral deterioration or borrowers' inability to pay.

Prepares loan documents that are in compliance with bank regulations for presentation, presents loans that are above the incumbent's lending limit to the loan committee or officer with higher lending limits communicating all elements of the loan to ensure compliance with regulations and to enhance the ability to make sound credit decisions.

Promotes the Bank's image in the community by participating in community activities, coordinating community development efforts, promoting involvement and participation in community service organizations to assist in compliance with the Community Reinvestment Act, presents a favorable image in the community and establishes contacts that could generate new business.

Develops and maintains an adequate level of knowledge in Commercial Banking, general banking and business development matters and demonstrates personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance.

Implements all compliance policies and procedures within the department and ensures the department staff receives adequate regulatory compliance training to perform job functions in compliance with regulatory requirements and standards, follows corporate Compliance policies and procedures and cooperates fully with all internal and external compliance reviews and examinations.

Performs other related duties and projects as assigned.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Education: BA or BS

Minimum Years Experience: 7

Special Skills: Excellent project management skills Excellent communication skills, both written and verbal Excellent customer service skills Excellent organizational, analytical and interpersonal skills Ability to use a personal computer and job-related software MS Word - Intermediate Level MS Excel - Intermediate Level MS PowerPoint - Intermediate Level Experience in a lending banking position and in an equivalent customer focused position. Knowledge of banking laws and regulations. Experience in community and civic activities.

Special Licenses and Certificates: N/A

Physical Requirements: N/A Equal Employment Opportunity (EEO): It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

It is the policy of F.N.B. Corporation and its affiliates not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, or because he or she is an individual with a disability or disabled veteran, Armed Forces service metal veteran, recently separated veteran, or active duty wartime or campaign badge veteran. F.N.B. Corporation and its affiliates provide all applicants and employees a discrimination and harassment free workplace. Please Visit following page for important legal disclosures and information: https://www.fnb-online.com/disclosures

Similar Jobs

Sales Tax Analyst | Shaner Corporate Office

Shaner • State College, PA • 2d ago

Finance, Accounting & Banking

ABOUT THE TEAM Shaner Solutions earned its stripes by providing accounting and operational support for all Shaner properties and affiliated companies. Today, Shaner Solutions provides a diverse client list with the essen...

2d ago

Go to Apply

Financial Center Banker

Northwest Bank • Bellefonte, PA • 4d ago

Finance, Accounting & Banking

Reference #: R-100978 Job Description DESCRIPTION As part of the Branch Banking team, Financial Center Banker will have or acquire an in-depth knowledge of Northwest products and services to provide financial options to...

4d ago

Go to Apply

Payroll Associate | Shaner Corporate Office

Shaner • State College, PA • 4d ago

Finance, Accounting & Banking

ABOUT THE TEAM At our Shaner Corporate Office Building, located in beautiful State College, Pennsylvania, you will be part of a dynamic and engaging team focused on teamwork, innovation and growth. We are located just mi...

4d ago

Go to Apply

Accounts Payable Associate | Shaner Solutions

Shaner • State College, PA • 4d ago

Finance, Accounting & Banking

4d ago

Go to Apply

Associate Vice President for Budget and Finance

Penn State University Talent Acquisition • University Park, PA • 4d ago

Finance, Accounting & Banking

Reference #: REQ_0000067613 APPLICATION INSTRUCTIONS: CURRENT PENN STATE EMPLOYEE (faculty, staff, technical service, or student), please login to Workday to complete the internal application process. Please do not apply...

4d ago

Go to Apply

Teller Full-Time

Northwest Bank • Bellefonte, PA • 1w ago

Finance, Accounting & Banking

Reference #: R-100951 Job Description DESCRIPTION Northwest Tellers are important members of our retail network team because they often have the most interaction with our customers. Northwest Tellers provide an excellent...

1w ago

Go to Apply

Tax Manager, Private Wealth

Baker Tilly • State College, PA • 2w ago

Finance, Accounting & Banking

Overview Baker Tilly is a leading advisory, tax and assurance firm, providing clients with a genuine coast-to-coast and global advantage in major regions of the U.S. and in many of the world's leading financial centers -...

2w ago

Go to Apply

CNB Bank, Universal Associate, Full Time

CNB Bank /ErieBank / Holiday Financial Services • State College, PA • 2w ago

Finance, Accounting & Banking

Reference #: 3332094 Description Universal Associates are hardworking, self-motivated individuals with positive attitudes who provide a specialized banking experience and are empowered to recommend solutions for individu...

2w ago

Go to Apply

Relationship Banker

First National Bank • State College, PA • 2w ago

Finance, Accounting & Banking

Reference #: 2025-02039 Primary Office Location:1480 E. College Avenue. State College, Pennsylvania. 16801. Join our team. Make a difference - for us and for your future. Position Title: Relationship Banker Business Unit...

2w ago

Go to Apply

Financial Specialist

Penn State University Talent Acquisition • University Park, PA • 2w ago

Finance, Accounting & Banking

Reference #: REQ_0000068204 APPLICATION INSTRUCTIONS: CURRENT PENN STATE EMPLOYEE (faculty, staff, technical service, or student), please login to Workday to complete the internal application process. Please do not apply...

2w ago

Go to Apply

Subscribe to get new jobs sent directly to you
(no charge, cancel anytime)

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.