Business Banker 2

Primary Office

Location:

300

E. Lombard Street. Baltimore, Maryland. 21202.

This position is primarily responsible for developing, managing and maintaining business relationships, developing and administering a portfolio of loans, analyzing credit worthiness, monitoring loan performance and promoting the Bank’s image in order to develop new and expand existing loan deposit and overall business relationships and contribute to the Bank’s profit and growth objectives. The incumbent provides the highest quality of service to every customer.

• Develop businesses relationships by profiling and maintaining relationships, determining banking needs, selling products and services to meet needs, resolving poor performance and other problems in a professional manner to develop new and expand existing loan deposit and overall business relationships and contribute to the Bank’s profit and growth objectives.
• Develop and administer a portfolio of loans by making sound credit analysis of customer’s financial condition and ability to repay according to established policies, procedures and objectives such as portfolio yield, loss ratio and delinquency while providing excellent customer service contributing to the Bank's profit and growth objectives.
• Analyze credit worthiness by determining the soundness of the loan, understanding the customer’s financial condition, collateral position and the ability to repay in accordance with the Bank’s credit quality, profitability and growth objectives and established policies and procedures and government regulations to create a portfolio of quality loans that meet or exceed the standards of the Bank.
• Monitor loan performance by maintaining contact with borrowers, understanding their financial condition and resolving problems in accordance with established policies and procedures and in an accurate and timely manner in order to reduce risk from collateral deterioration or the borrower’s inability to pay.
• Promote the Bank’s image by participating in community development activities and service organizations without jeopardizing other responsibilities and in compliance with the Community Reinvestment Act requirements in order to present a favorable image in the community and establish contacts that could generate new business.
• Develop and maintain a personal program for maintaining an adequate level of knowledge in business development, lending and other banking matters and demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.
• Perform 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 regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

BA or BS

3

• 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
• MS Word
  - Basic Level
• MS Excel
  - Intermediate Level
• MS Power Point
  - Basic Level

Experience in commercial or business banking.

General knowledge of lending laws and regulations.

Experience in successful business development and community and civic activities preferred.

N/A

N/A

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$94,146.00 - $

FNB’s total rewards package may include other components such as: overtime, incentive, equity and benefits.…