S&T Bank

Community Manager

• Establish and maintain relationships with community-based organizations, Realtors, and government agencies
• Sell and originate Community Reinvestment Act (CRA) mortgage loans
• Prepare and submit complete loan mortgage applications
• Monitor market area for interest rates and products
• Cross-sell other Bank products and services

Community Mortgage Lender

Collections

• Perform recovery activities regarding delinquent accounts in accordance with Bank and legal guidelines
• Identify past due loan issues and respond to inquiries
• Contact customers to get payment commitments
• Provide concierge care for Commercial Banking VIP customers
• Assist with loan closings, funding, and customer inquiries
• Prepare and send letters, memos, and notices

Commercial Banking Collections Officer

Financial Planning and Analysis

• Assumes responsibility for ensuring the satisfactory handling of internal or customer related telephone inquiries or service-related problems by performing the following functions:
• Promptly responding to customer/internal inquiries in a courteous and professional manner to ensure complete customer satisfaction.
• Providing customer and internal personnel with accurate product knowledge and service information, as well as operational knowledge that will assist personnel in the successful completion of their duties.
• Providing professional written correspondence to customers when necessary.
• Answers incoming customer service calls to include but are not limited to: Inquiries regarding deposit and loan accounts.
• Account maintenance requests, including but not limited to: change of address, check ordering, related/unrelated account transfers, and stop payments.
• Responsible for closing debit cards, ordering new debit cards, raising and lowering debit card limits, adding travel notes, removing fraud exclusion, etc.
• Online banking and mobile banking inquiries, including but not limited to: enrolling new users, registering computers, unlocking accounts, online statements, and BillPay issues as well as assistance with BillPay limit increases.
• Utilizing Financial Intelligence Group standards to detect suspicious callers and activity in order to combat fraud and minimize bank losses.
• Identifies and addresses customer needs by recommending applicable products and services that may represent a value to the customer.
• Assists the Branch Administration Department by identifying and reporting quality service concerns that may become apparent through customer interactions.
• Uses appropriate Customer Service/Sales/Correspondence Software to streamline process and improve efficiency.
• Makes infrequent outbound telemarketing calls.
• Assists Manager/Solution Center Service with facilitating operational procedures to staff.
• Assists and encourages the sales process within the Solution Center Service.
• Assists in training new departmental employees.
• Demonstrates a strong 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.
• May act as shift lead during evening and weekend hours of operation.
• Assumes additional duties as required.

Financial Consultant

Consultant

• Operates a customer service window and provides exceptional customer service
• Assists in resolving customer problems efficiently
• Supports the Solution Center with telephone inquiries
• Balances cash window and ensures accuracy

Head Teller, Service Consultant

Manager

• Manage the bank’s asset liability management (ALM) including strategic balance sheet management to balance growth, profitability, and risk
• Develop reports using SAP BusinessObjects WebI, Tableau, Monarch, Excel, and others
• Review and analyze reports and stress tests and ensure accurate, timely distribution
• Design, implement, and maintain systems and related documentation per model risk management guidelines
• Prepare and compile information for the Asset/Liability Committee (ALCO) report package
• Interact with internal audit and third-party model validation consultants
• Manage daily liquidity position and ensure required reserves at the Federal Reserve
• Initiate and execute short-term borrowing and selling transactions and assist with brokered deposit transactions
• Manage collateral management and liquidity reporting and provide analytical support for variances and trends
• Conduct quarterly liquidity stress tests and derive/document assumptions (loan losses, originations, deposit runoff, net interest margin)
• Maintain the Federal Reserve Borrower-in-Custody program
• Manage reporting of net interest income, margin, and betas and reconcile loan/deposit interfaces to the general ledger
• Manage interest rate risk reporting, conduct annual market risk stress tests, sensitivity tests, and quarterly back tests
• Manage capital reporting, implement risk-weighted asset enhancements through reporting, and conduct annual capital stress tests
• Develop balance sheet and net interest income components of the annual operating plan and periodic forecasts
• Manage and mentor the ALM analyst team and maintain strong internal relationships

Community Mortgage Lender

Commercial Banking Collections Officer

Financial Consultant

Head Teller, Service Consultant

ALM Manager