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S&T Bank Commercial Credit Risk Review Manager in Indiana, Pennsylvania


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: Credit Risk Review serves to independently monitor credit quality and assess the effectiveness of credit risk management to provide the Credit Risk Committee, Risk Management and executive management with objective oversight of all corporate lending credit related activities.

Duties and Responsibilities:

  • Directs and manages Credit Risk Review Officers to ensure the effective operation of the Credit Risk Review for the purposes of oversight of the commercial lending Division for the CRR Department.

  • Responsible for interviewing, hiring, conducting performance evaluations, salary administration, directing job assignments and the training and development of CRR staff under their supervision.

  • Presents the commercial loan review reports to the Director of Credit Risk Review and could be asked to participate in the presentation of reporting to the Board of Director’s Credit Risk Committee.

  • Provide administrative oversight of the Commercial Lending (which would include Direct and indirect credit risk) Programs.

  • Represent Credit Risk Review on criticized asset and Business Banking Rating Review monthly meetings.

  • Reviews Commercial Scorecards and provides feedback to management on the accuracy of the scorecard model agreed upon with Commercial Credit. Makes suggestions as to how model should be improved to maintain accuracy in ever changing economic environment and Bank’s risk appetite as directed by Risk Management. Communicates Changes to Commercial Credit Management.

  • Monitors and manages the Bank’s Commercial Credit Risk Review’s third-party vendor(s). Performs annual Vendor Risk Assessment. Ensures client control considerations are implemented and functioning. Provides oversight to vendor’s website access and maintains records.

  • Maintains all necessary Commercial spreadsheets and tracking logs.

  • Administers the execution of the Credit Risk Review (CRR) Department’s Commercial Credit Review Programs.

  • Administers and executes the review of the business loans approved through the Small Business Association Lending Program (SBA) to evaluate the assigned risk rating, quality of underwriting and the quality of the SBA Credit portfolio.

  • Evaluates the CRR staff’s Commercial reviews, SBA reviews and various other commercial credit reviews (ex: Swaps) for accuracy and completeness and signs off on the review.

  • Coordinates and conducts Credit Risk Review’s management Commercial exit meetings.

  • Categorizes any identified issue or Quality defect into a finding. Determines whether issues or defects noted during the course of review fieldwork or Quality review results in low, medium or high-risk issue, individually or in aggregate. Determines which findings do not rise to the level of an issue and reports items to management as observations (other findings).

  • Prepares and writes the draft and final Commercial Credit review reports.

  • Compiles and updates procedures to ensure compliance with lending policy, underwriting guidelines and consumer regulatory compliance that applies to commercial lending (ex: Reg-B).

  • Continually monitors Commercial Portfolio for revisions/updates to the underwriting and Credit quality guidelines.

  • Assigns special projects to the Administrative Assistant or CRR staff in an effort to maximize productivity, efficiency, and develop staff.

  • Provides assistance to the internal and external auditors.

  • Examines all areas where Commercial Credit Risk is managed or monitored.

  • Communicates recommendations to credit risk management processes to corporate and lending unit management that strengthens the organization, enhances overall supervision of lending methods and provides tools to continually measure effectiveness.

  • Provides Value added consulting opportunities with Credit, Commercial Lending and Portfolio Management staff to be collaborative in helping improving processes and improve customer (both internal and external) experience.

  • Maintains a good working relationship with all bank employees. Works independently. Possess the ability to supervise the staff to contribute to the success of the organization.

  • Assumes additional responsibilities as required.

    Physical Demands

    Operates a keypad device: 50% of the day and operates office equipment 5% of the day. The primary parts of the body involved in performing these tasks are the fingers, thumb, hands, wrists, and elbows and upper torso. Standing is required one hour per day in a straight position. Sitting is required six hours per day in a straight position. Walking is required one hour per day at moderate in speed. Requires the use of manual dexterity skills for typing up to 40% of the business day. Specific vision requirements include close vision of 18”-20” for computer work. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.




  • Bachelors or better in Academic/General



  • 10 years: Ten or more years of experience In Commercial Credit, commercial lending and/or underwriting; Credit Risk review; bank audit experience or an equivalent combination is 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)