Credit Officer, CRE

**Location:**4599 Cemetery RoadHilliard, OH 43026**Additional Locations Include:**491 North Cleveland-Massillon RoadAkron, OH 44333100 Corporate Center Drive Suite 200Camp Hill, Pa 17011358 N Shore DrivePittsburgh, Pa 15212800 Philadelphia StreetIndiana, Pa 15701205 Granite Run DriveLancaster, Pa 17601**Hours:**Monday - Friday 8AM-5PM(Additional hours as necessary to meet the objectives of the department)**Function:** Manages the credit process consistent with Corporate and Credit Policy and serves as a central point in deciding credit exposure for new and existing relationships within an assigned credit profile and vertical (CRE or C&I). **Duties and Responsibilities:*** Reviews, underwrites and makes decisions on loan requests within stated lending authority; involve next higher level authority level when deal size or complexity warrants. + New Credit Authority: Up to $5.0MM or in accordance with the Delegated Credit Authority Grid* Maintains credit quality standards for the assigned adhering to Corporate Policies and the bank’s credit culture.* Responds promptly to credit requests to determine feasibility and nature of analysis to be conducted.* Assumes responsibility for coaching, mentoring, training and guidelines to underwriters and assigned deal teams.* Supports assigned deal teams in the structuring and delivering of credit products to meet client needs.* Works with commercial bankers and underwriters to manage the analysis and documentation to produce a focused, concise underwriting package. Follow deal from initial request through final documentation.* Ensures compliance with credit policy and appropriate reporting.* Ensures strong credit culture as well as an effective and efficient approval process.* Balances a strong asset quality focus while supporting a strong business development plan.* Acts as a highly visible customer contact working as a member of the vertical management team in relationship banking model.* Understands, underwrites and manages the portfolio in accordance with the regional and corporate risk profile.* Identifies critical issues and proposes alternative structures and financing solutions.* Meets with client or prospect to clear any conditions of approval or unresolved issues. Call activity would promote new business due diligence, selling the client and addressing deteriorating situations.* Demonstrates credit judgment, size and scope of assigned credit portfolio to determine level of credit risk exposure that will be assigned on any given relationship.* Discusses changes with the commercial banker to resolve any conflicts between the client’s needs and the bank’s structure as needed.* In collaboration with the Senior Credit Officer, establishes and executes monthly and quarterly reporting of vertical portfolio metrics concentrating on credit risk management.* In collaboration with the Senior Credit Officer, helps model, project and track actual versus potential charge-offs, NPL’s, criticized and classified assets and overall credit quality of the assigned vertical for performance measurement.* Provides technical advice and assistance to relationship managers in the evaluations and structuring or restructuring of commercial credits within the portfolio.* Ensures satisfaction of compliance and regulatory related issues.* Participates and reviews all criticized and classified assets as assigned and participates in the quarterly Criticized Asset meeting.* Participates in Senior Loan Committee.* Prepares presentations and participates in management or committee meetings as needed.* Solicits, with vertical management, new business opportunities and participates in community or other services/activities.* Maintains a good working relationship with all bank employees. Demonstrates the ability to work independently. Works 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 degree or equivalent.**Experience:**More than ten years general experience, five to ten years of specialized experience preferred in Commercial Banking, Credit Underwriting. Has a working knowledge of loan documentation, various collateral perfection requirements, including security agreements, UCC, Mortgages.**Physical Demands:**This work can be performed at multiple locations. Operates a keypad device 80-90% and electronic equipment 10-20% of the day. Traveling 20-30%, overnight stays 0-10%. Reaching above the shoulders bending and twisting 0-10%, standing 0-10%, sitting 80-90%, walking 0-10% of the day. Primary parts of the body involved include fingers, thumb, hand, wrist(s), elbows, legs/feet. This work can be performed with reasonable accommodations request.Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe 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:**$75,000.00 - $184,800.00S&T Bank believes in Equal Opportunity for all and is committed to ensuring all individuals, including individuals with disabilities, have an opportunity to apply for those positions that they are interested in and qualify for without regard to race, religion, color, national origin, citizenship, sex, sexual orientation, gender identity, age, veteran status, disability, genetic information, or any other protected characteristic. S&T Bank is also committed to providing reasonable accommodations to qualified individuals so that an individual can perform their job related duties. If you are interested in applying for an employment opportunity and require special assistance or an accommodation to apply due to a disability, please contact us at:Phone:724.465.4457Email:View email address on click.appcast.io #J-18808-Ljbffr Stbank