Reference #: 2022-01431Primary Office Location:101 N 2nd Street. Harrisburg, Pennsylvania. 17101.

　　Join our team. Make a difference - for us and for your future.nPosition Title: Commercial Banker 2Business Unit: Commercial BankingReports To: Commercial Banking Team Leader

　　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 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.

　　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.

　　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 examinations.

　　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 program.

　　F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to r gulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

　　Minimum Education:BA or BS

　　Minimum Years Experience:7

　　Special Skills:Excellent project management skillsExcellent communication skills, both written and verbalExcellent customer service skillsExcellent organizational, analytical and interpersonal skillsAbility to use a personal computer and job-related softwareMS Word - Intermediate LevelMS Excel - Intermediate LevelMS PowerPoint - Intermediate LevelExperience 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:N/A

　　Physical Requirements:N/A

　　It is the policy of F.N.B. Corporation and its affiliates not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, or because he or she is an individual with a disability or disabled veteran, Armed Forces service metal veteran, recently separated veteran, or active duty wartime or campaign badge veteran. F.N.B. Corporation and its affiliates provide all applicants and employees a discrimination and harassment free workplace.  Please Visit following page for important legal disclosures and information: https://www.fnb-online.com/disclosures