Commercial Banker

Primary Office Location

118 Western Blvd. Jacksonville, North Carolina. 28546.

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.

Primary Responsibilities

• 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.

• Maintains contact with borrowers, monitors the financial condition of borrowers and resolves problems and when appropriate waives 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.

• 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.

• Participates in community activities, coordinates community development efforts, promotes 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.

Minimum Education and Experience

• BA or BS

• 10 years of relevant experience

Special Skills

• 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

Physical Requirements

N/A

Equal Employment Opportunity (EEO)

F.N.B. Corporation (FNB) and its affiliates do not discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace. FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.