Deputy Chief Credit Officer at S&T Bank in Indiana, PA
Description Main Office:
800 Philadelphia Street, Indiana PA 15701 Work Days and Expected Hours:
Monday - Friday:
8:
00 am - 5:
00 pm (Additional hours as necessary to meet the objectives of the department) Function:
Senior leadership position providing strategic direction and guidance with respect to Credit Administration activities, including tasks associated with underwriting and presenting commercial loans to the bank's committee system for approval, engaging third party professionals for appraisals and environmental assessments, monitoring construction related disbursements and advance formulas, and maintaining bank's credit policy. Develops sound Risk practices throughout Credit administration and participates in the decisions and narrative to the CECL model. As the Bank grows this position will be key in ensuring the Bank has resolved any GAP issues within Credit Administration to cross over to 10B and beyond. Duties and
Responsibilities:
Develops and implements strategic plan necessary to support the credit administration activities associated with commercial lending. Incorporates best practices into credit operations policy and procedure. Reconfigures Loan Proposal as appropriate, incorporating best practices and analysis to enhance the decision process. Includes development of personal financial spreads, expansive quantitative financial analysis and implementation of global cash flow concepts. Recruits and develops entry level professionals in Credit Analysis and maintains appropriate staffing levels to support increasing loan demand. Includes assisting Credit Analysts in career goals, promoting career objectives and accelerating productivity. Provides leadership, guidance and mentoring to Credit Analysis, Construction Administration, Credit Policy and Secured Credit divisions, Credit Risk, Data Analytics/Credit Systems Administration and Loan Documentation Member of Senior Loan Committee, participating in the discussion and decision of mid-market commercial lending relationships. Develops staffing models and evaluates processes to ensure optimal efficiency and effectiveness. Exercises individual loan authority to effect renewals and modifications. Develops strategic relationships in the business community to promote the awareness of S&T careers. Works closely with the Chief Credit Officer to assess and implement policies and controls. Assesses industry and concentration risks and provides other management reports as directed. Negotiates and contracts for specialized vendor services, such as credit services and industry research tools. All Deposit Credit Risk will be developed, assessed and managed. Assumes additional responsibilities as required. Physical Demands Use of manual dexterity skills for typing and data entry up to 40% of the business day. Vision requirements include vision of 18-20 for computer work. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Qualifications Education Required Bachelors or better in Academic/General or related field. Experience Required 10 years:
10 plus years general experience required 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:
$100K -- $150K
Minimum Qualification
Investments, Banking, Loans & InsuranceEstimated Salary: $20 to $28 per hour based on qualifications.
800 Philadelphia Street, Indiana PA 15701 Work Days and Expected Hours:
Monday - Friday:
8:
00 am - 5:
00 pm (Additional hours as necessary to meet the objectives of the department) Function:
Senior leadership position providing strategic direction and guidance with respect to Credit Administration activities, including tasks associated with underwriting and presenting commercial loans to the bank's committee system for approval, engaging third party professionals for appraisals and environmental assessments, monitoring construction related disbursements and advance formulas, and maintaining bank's credit policy. Develops sound Risk practices throughout Credit administration and participates in the decisions and narrative to the CECL model. As the Bank grows this position will be key in ensuring the Bank has resolved any GAP issues within Credit Administration to cross over to 10B and beyond. Duties and
Responsibilities:
Develops and implements strategic plan necessary to support the credit administration activities associated with commercial lending. Incorporates best practices into credit operations policy and procedure. Reconfigures Loan Proposal as appropriate, incorporating best practices and analysis to enhance the decision process. Includes development of personal financial spreads, expansive quantitative financial analysis and implementation of global cash flow concepts. Recruits and develops entry level professionals in Credit Analysis and maintains appropriate staffing levels to support increasing loan demand. Includes assisting Credit Analysts in career goals, promoting career objectives and accelerating productivity. Provides leadership, guidance and mentoring to Credit Analysis, Construction Administration, Credit Policy and Secured Credit divisions, Credit Risk, Data Analytics/Credit Systems Administration and Loan Documentation Member of Senior Loan Committee, participating in the discussion and decision of mid-market commercial lending relationships. Develops staffing models and evaluates processes to ensure optimal efficiency and effectiveness. Exercises individual loan authority to effect renewals and modifications. Develops strategic relationships in the business community to promote the awareness of S&T careers. Works closely with the Chief Credit Officer to assess and implement policies and controls. Assesses industry and concentration risks and provides other management reports as directed. Negotiates and contracts for specialized vendor services, such as credit services and industry research tools. All Deposit Credit Risk will be developed, assessed and managed. Assumes additional responsibilities as required. Physical Demands Use of manual dexterity skills for typing and data entry up to 40% of the business day. Vision requirements include vision of 18-20 for computer work. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Qualifications Education Required Bachelors or better in Academic/General or related field. Experience Required 10 years:
10 plus years general experience required 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:
$100K -- $150K
Minimum Qualification
Investments, Banking, Loans & InsuranceEstimated Salary: $20 to $28 per hour based on qualifications.
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