Community Health Worker - Remote in TX, Granite Heights

Position Title: Commercial Banker 3

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

Develop new and existing commercial loan business relationships by calling on potential and existing customers to cross‑sell all banking products and promote the Bank’s image within limits of current budget and mix of products to achieve profit and growth objectives.

Administer 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.

Determine 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.

Monitor 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.

Prepare loan documents that are in compliance with bank regulations for presentation, and present loans that are above the incumbent’s lending limit to the loan committee or officer with higher lending limits.

Promote the Bank’s image in the community by participating in community activities, coordinating community development efforts, and fostering involvement in community service organizations to assist in compliance with the Community Reinvestment Act.

Develop and maintain an adequate level of knowledge in Commercial Banking, general banking and business development matters and demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees.

Implement all compliance policies and procedures within the department and ensure the department staff receives adequate regulatory compliance training to perform job functions in compliance with regulatory requirements and standards.

Perform other related duties and projects as assigned.

All employees have the responsibility and 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.

Requirements

Minimum Education: BA or BS

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.

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