Location:

7660 Saltsburg Rd

Pittsburgh, PA 15239

or

701 East Pittsburgh St.

Greensburg, PA 15601

or

309 Main St.

Irwin, PA 15642

or

355 North Fifth Street

Indiana, PA 15701

Hours: 

Monday - Friday: 8:00AM - 5:00PM

(Additional hours as necessary to meet the objectives of the department

Function: 

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.

Duties and 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.

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 Demands:

Operates a keypad device:  80% of the day; operates electronic equipment:  10% of the day; operates office equipment:  10% of the day. Sitting is 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.

Offered rates and salaries may vary based on geographic location, market data and on experience, education, and evidenced position specific skill requirements.

For roles that are incentive eligible, payment is based upon the plan document and company, business, and/or individual performance.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

Salary Range: