Commercial Banker - Greenville, SC
Company: First National Bank (FNB Corp.)
Posted on: November 22, 2022
Primary Office Location:
550 S. Main Street, Suite 320. Greenville, South Carolina.
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nPosition Title: Commercial Banker 2
Business Unit: Commercial Banking
Reports To: Commercial Banking Team Leader
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.
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
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
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.
High School or GED
Minimum Years Experience:
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
BA or BS preferred. 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:
Keywords: First National Bank (FNB Corp.), Greenville , Commercial Banker - Greenville, SC, Other , Greenville, South Carolina
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