S & T Bank
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Regional Credit Officer II or III
at S & T Bank
Work days and expected hours: Monday-Friday 8:00 am to 5:00 pm (Additional hours as necessary to meet the objectives of the department)
Function: Serves as central point in decisioning credit exposure for new and existing relationships within the assigned region. Manages the credit process consistent with Credit Policy and established underwriting guidelines. Supports assigned lending team in the structuring and delivering of credit products to meet client needs. Ensure strong credit culture and an effective and efficient approval process. Balances a strong asset quality focus while supporting a strong business development plan. Highly visible senior credit approval leadership role requiring independence, decisiveness and strong interpersonal skills combined with the ability to prioritize and operate in a geographically dispersed environment.
Duties and Responsibilities:
1. Reviews, underwrites and makes decisions on loan requests within stated lending authority; involve next higher level authority level when deal size or complexity warrants.
2. Maintains credit quality standards for the region adhering to Corporate Policies and the bank’s credit culture.
3. Responds promptly to credit requests to determine feasibility and nature of analysis to be conducted.
4. Work with loan officer and underwriter to manage the analysis and documentation to produce a focused, concise underwriting package. Follow deal from initial request through final documentation.
5. Ensures compliance with credit policy and appropriate reporting.
6. Highly visible customer contact working as a member of the regional management team in relationship banking model.
7. Fully understands, underwrites and manages the portfolio in accordance to the regional and corporate risk profile.
8. Identify critical issues and propose alternative structures and financing solutions.
9. Meet with client or prospect to clear any conditions of approval or unresolved issues. Call activity would promote new business due diligence, selling the client and addressing deteriorating situations.
10. Level of loan authority will be assigned based on experience, demonstrated credit judgment and size and scope of assigned credit portfolio.
11. As necessary, discuss changes with the loan officer to resolve any conflicts between the client’s needs and the bank’s structure.
12. Establishes and executes monthly and quarterly reporting of regional portfolio metrics concentrating on credit risk management.
13. Reviews and makes annual recommendations on individual lending authorities for regional lenders.
14. Model, project and track actual versus potential charge-offs, NPL’s, criticized and classified assets and overall credit quality of the regional structure for performance measurement.
15. Provide technical advice and assistance to relationship managers in the evaluations and structuring or restructuring of commercial credits within the portfolio.
16. Ensure satisfaction of compliance and regulatory related issues.
17. Makes recommendations for loans going to regional or senior level loan committee.
18. Provides feedback to assist in the training and directing of credit analysts and their role in preparing loan proposals, risk assessment and analysis of financial information.
19. Develops and recommends plans for expansion of existing programs, operations or credit related activities.
20. Participates and reviews all criticized and classified assets for the region and participates in the quarterly criticized asset committee.
21. Solicits, with regional management, new business opportunities and participates in community or other services/activities.
22. Credit related project lead on periodic basis.
23. Maintains a good working relationship with all bank employees. Demonstrates the ability to work independently. Works as a team player to contribute to the success of the department and in turn the organization.
Operates a keypad device: 50% of the day; operates electronic equipment: 10% of the day; operates office equipment: 10% of the day. The primary parts of the body involved in performing these task(s) are the fingers, thumbs, hands, wrists, elbows, legs. Standing is required 25% of the day; sitting is required 50% of the day; walking is required 25% of the day. Requires the use of dexterity skills for typing and data entry up to 40% of the business day. Specific vision requirements include close vision of 18”-20” for computer work up to 40% of the business day. Reasonable accommodations may be made to enable individuals with disabilities to perform essential duties.