Business Banking Underwriter II

About the role

Assist in the underwriting of all S&T Bank’s Business Banking Loan Products in a centralized environment. In this position, one assumes a leadership role with the day to day functions and first level support with Business Banking Underwriter I’s and various bank personnel within the lending activities. Lending activities include, but not limited to, underwriting, concurrences & low side override decision making.

Responsibilities

• Responsible for the efficient and effective work flow of the underwriter staff to include: Allocating work and assisting in leading underwriting staff, e.g. monitor daily work queue for efficient application turn-time
• Making recommendations regarding improved operating systems, workflow efficiencies and procedures, and coordinate schedules to maximum daily coverage with sufficient staffing day to day.
• Underwrite and make timely lending decisions that: Empower the individual with delegated lending authority for approving credit facilities. Contributes to the development and growth of a high quality/volume portfolio. Assures compliance with all applicable lending laws and regulations. Demonstrates consistency and fairness to all applicants. Complies with S&T Bank’s lending policies and procedures.
• Allocates work, assists in training personnel and assumes day to day workflow responsibilities.
• Provides first level support to the Business Banking Underwriter I’s through guidance along with leadership, judgment and decision making support.
• Consistently applies and documents designated override authority associated with: Established Policy rules and severity levels. Exceptions to loan policy and guidelines.
• Provides timely responses to Business Banker and Community Banking Managers that are clear and easy to understand.
• Develops a high level of proficiency in using the Small Business Central Underwriting System and the Portfolio Risk Advisor System.
• Provides back-up assistance to the Portfolio Manager, as needed.
• Responsible for providing assistance with Business Banking loan training both in the classroom and with the underwriting system.
• Maintains a working knowledge of current as well as future changes (when applicable) to: Federal & State lending laws and regulations. Bank lending policies and procedures. Commercial and Consumer loan products.
• Demonstrates a high level of professionalism & integrity when performing duties. Maintains a good working relationship with bank employees in other departments. Demonstrate strong interpersonal skills with the ability to work independently, as well as Motivated to work as a team player to contribute to the success of the department and in Turn the organization.
• Provides support in various functions to the Business Banking Lending Manager including various projects and reports.
• Demonstrate strong interpersonal skills with the ability to work independently, as well as motivated to work as a team player to contribute to the success of the department and in turn the organization.
• Assumes additional duties and responsibilities as assigned.

Requirements

• Education: Requires a four-year college degree or equivalent. Major or area of specialization in Accounting, Finance, or Business.
• Experience: Requires five to ten years of experience with Commercial Underwriting and related experience in Credit Analysis, Commercial Lending, Portfolio Management, Loan Review, or Special Assets.

Physical Dem