Business Banking Underwriter II

Locations: 7660 Saltsburg Rd, Pittsburgh, PA 15239; 701 East Pittsburgh St, Greensburg, PA 15601; 309 Main St, Irwin, PA 15642; 355 North Fifth Street, Indiana, PA 15701. Schedule: Monday–Friday, 8:00 AM–5:00 PM (additional hours as necessary to meet department objectives).

About the role

Assist in the underwriting of all S&T Bank’s Business Banking Loan Products in a centralized environment. This position assumes a leadership role with day‑to‑day functions and provides first‑level support to Business Banking Underwriter I’s and various bank personnel within lending activities, including underwriting, concurrences, and low‑side override decision making.

Responsibilities

• Manage efficient and effective workflow of the underwriter staff, including allocating work, monitoring daily work queues for efficient application turn‑time, and coordinating schedules to maximize daily coverage with sufficient staffing.
• Make recommendations for improved operating systems, workflow efficiencies, and procedures.
• Underwrite and make timely lending decisions that empower the individual with delegated lending authority, contribute to a high‑quality/volume portfolio, assure compliance with all applicable lending laws and regulations, demonstrate consistency and fairness to all applicants, and comply with S&T Bank’s lending policies and procedures.
• Allocate work, assist in training personnel, and assume day‑to‑day workflow responsibilities.
• Provide first‑level support to Business Banking Underwriter I’s through guidance, leadership, judgment, and decision‑making support.
• Consistently apply and document designated override authority for established policy rules, severity levels, and exceptions to loan policy and guidelines.
• Provide timely, clear, and easy‑to‑understand responses to Business Bankers and Community Banking Managers.
• Develop high proficiency in the Small Business Central Underwriting System and the Portfolio Risk Advisor System.
• Provide back‑up assistance to the Portfolio Manager as needed.
• Assist with Business Banking loan training, both in the classroom and within the underwriting system.
• Maintain working knowledge of current and future changes to federal and state lending laws and regulations, bank lending policies and procedures, and commercial and consumer loan products.
• Demonstrate a high level of professionalism and integrity in performing duties.
• Maintain good working relationships with bank employees in other departments; demonstrate strong interpersonal skills, ability to work independently, and motivation to work as a team player contributing to department and organizational success.
• Support the Business Banking Lending Manager with various projects and reports.
• Assume additional duties and responsibilities as assigned.

Requirements

• Four‑year college degree or equivalent; major or specialization in Accounting, Finance, or Business.
• Five to ten years of experience in commercial underwriting and related experience in credit analysis, commercial lending, portfolio management, loan review, or special assets.

Physical Demands

• Operates a keypad device approximately 80% of the day; operates electronic equipment 10% of the day; operates office equipment 10% of the day.
• Sitting required seven hours per day.
• Specific vision requirements include close vision of 18″–20″ for computer work.
• Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Pay

Salary range: $55,000.00 – $156,450.00 per year. Offered rates and salaries may vary based on geographic location, market data, experience, education, and evidenced position‑specific skill requirements. For incentive‑eligible roles, payment is based on the plan document and company, business, and/or individual performance.