S&T Bank

Banker

• Develop banking relationships across all business lines for assigned markets, customers, and prospective customers
• Develop new business and retain existing business through promotion of products and services and operational excellence
• Maintain consistent top production for the business unit and provide guidance and share expertise with other Bankers
• Interview customers and prospective customers and prepare documentation regarding business needs, abilities, and earnings
• Collect and analyze financial data for proper account structure; handle more intricate credits and referrals
• Maintain an aggressive calling program for new and existing customers
• Assist other lines of business in generating business
• Execute the Bank’s standard sales choreography expectations
• Attend and participate in community affairs to promote the Bank’s image
• Represent the Bank at customer events, including advisory boards when applicable
• Demonstrate Division and Market Leadership; coach and mentor Business Bankers and other bank personnel
• Maintain close working relationships with all lines of business to deliver exceptional customer service and develop new business
• Develop and maintain referral-professional networks, including attorneys, realtors, and other centers of influence
• Call on new prospects from bank referrals, prospect referrals, and prospect lists
• Conduct business development activities to identify bank prospects
• Execute sales skills and service standards supporting the Bank’s purpose, values, and core drivers
• Respond to customer questions and solve customer problems
• Document portfolio and prospect calls and other activities
• Maintain good working relationships with bank employees and contribute independently and as a team player
• Work closely with the Portfolio Manager while monitoring the portfolio
• Assume additional responsibilities as required
• Travel approximately 30% of the week, including customer visits and site inspections

Senior Business Banker

General

• Assume responsibility for moderately complex Formula Based Commercial Loan and Asset-Based Loan structuring, monitoring, and operations.
• Process draw requests, monitor collateral positions, conditions, performance metrics, and borrower trends.
• Analyze borrowing base certificates, accounts receivable and payable schedules, inventory listings, and other collateral reports.
• Participate in loan structuring and Commercial Loan underwriting, including collateral analysis and recommending loan conditions.
• Review loan documentation and ensure compliance with loan policies, procedures, Credit Memos, and Business Loan Agreements.
• Provide customer service, resolve borrower questions, and maintain relationships with commercial loan customers, bankers, and third-party consultants.
• Review and approve loan requests, participate in loan closing and funding, and authorize wires through the nCino credit workflow system.
• Order and review field examinations, inventory and machinery/equipment appraisals, and coordinate third-party vendors.
• Verify loan availability and outgoing wires, including callback procedures and beneficiary verification.
• Perform fraud testing and report suspected fraud.
• Identify out-of-formula positions, assist with corrective action plans, and monitor loans until compliance is restored.
• Maintain loan portfolios in the Cync asset-based loan system and provide trend reports and collateral analysis.
• Maintain collateral-reporting databases and files and prepare portfolio summary reports.
• Coordinate third-party examinations and report findings to lending and credit leadership.
• Independently monitor loan accounts, report exceptions and performance issues, and assist less experienced Secured Credit Administrators.

Secured Credit Officer I

Financial Planning and Analysis

• Handle internal and customer telephone inquiries and service-related problems promptly and professionally
• Provide accurate product, service, and operational information
• Prepare professional written correspondence for customers when necessary
• Handle deposit and loan account inquiries and account maintenance requests
• Close, order, and manage debit cards, limits, travel notes, fraud exclusions, and VAU
• Support online banking, mobile banking, online statements, and BillPay inquiries
• Detect suspicious callers and activity using Financial Intelligence Group standards
• Recommend applicable products and services and identify sales opportunities
• Identify and report quality service concerns to Branch Administration
• Use customer service, sales, and correspondence software to streamline processes
• Make infrequent outbound telemarketing calls
• Refer telephone deposit and loan account openings to Personal Bankers
• Assist with operational procedures, sales processes, and training new employees
• Work independently and as a team player
• Act as shift lead during evening and weekend operating hours when needed
• Assume additional duties as required

Financial Consultant

• Operate a customer service window and provide exceptional customer service for a variety of transactions
• Provide technical direction and training for other customer service representatives
• Suggest solutions and options to customers and refer them to appropriate areas of the bank
• Resolve customer problems, issues, and concerns accurately and efficiently
• Establish accuracy and balancing skills while maintaining a balancing rate of 85%
• Use bank computer systems and S&T policies and procedures to operate the customer service window
• Identify customers, verify transaction authenticity, and complete fraud-prevention steps
• Cash checks, verify endorsements and balances, and refer customers to branch management for authorization
• Process deposits, withdrawals, loan payments, money orders, and other payments
• Balance the cash window, ATM, settlements, and vault daily
• Maintain satisfactory Operation Assessment Readiness audit results
• Deliver customer service according to Consumer Bank Customer Service Standards and Customer Insight surveys
• Support branch leadership and contribute to branch sales and service goals
• Track customer referrals using the Sales & Service Opportunity tool
• Identify customer needs and promote bank services, specialized products, solutions, and services
• Process night deposits, mail deposits, and safe deposit admittance as needed
• Complete monthly reports, reconcilements, and logs
• Keep the branch and business lines balanced and in compliance
• Maintain working relationships with employees in other departments
• Attend and successfully complete required training
• Perform additional duties as required

Senior Business Banker

Secured Credit Officer I

Financial Consultant

Head Teller