Commercial Banker III - CRE

$55,000 - $136,000/Yr

S&T Bank - Hilliard, OH

Full-time - Mid Level

Hilliard, OH

Credit Intermediation and Related Activities

About the position

The position assumes responsibility for complex activities in commercial banking and has direct responsibility for banking relationships with assigned customers and prospective commercial customers. The role involves interviewing customers, preparing documentation for commercial loans, and collecting and analyzing financial data for proper loan structuring. The individual will maintain an aggressive commercial calling program for new and existing customers, assist other lenders in governmental lending programs, and participate in community affairs to promote the bank's image. Additionally, the position requires reviewing final loan documentation, providing training to less experienced commercial bankers, and carrying out business development activities to identify bank prospects. Compliance with existing loan policies and procedures is essential, as well as establishing accounts for commercial customers and responding to customer inquiries.

Responsibilities

• Interviews customers and prospective customers and prepares documentation for commercial loans.
• Collects and analyzes financial data for proper loan structure for written/verbal presentation to loan committee.
• Maintains aggressive commercial calling program for new and existing customers.
• Assists other lenders in governmental lending programs.
• Attends and participates in community affairs to promote the bank's image.
• Reviews final loan documentation to determine appropriate recommendations.
• Assumes responsibility for complex accounts and provides training and guidelines to less experienced commercial bankers.
• Carries out a variety of business development activities to identify bank prospects.
• Ensures compliance with existing loan policies and procedures and assists in policy development and modification.
• Establishes accounts for commercial customers.
• Receives and responds to various customer questions and solves customer problems.
• Reviews Collateral Protection Reports and determines appropriate course of action.
• Exercises loan authority as appropriate.
• Monitors and documents performance of existing loan portfolio through call memos, site visits, financial collection and review, Credit Quality related report reviews.
• Contacts delinquent loan customers.
• Maintains a good working relationship with bank employees.

Requirements

• Requires a four-year college degree or equivalent, major in Business or related fields.
• Five to ten years specialized experience.