Jeff Skocik Email & Phone Number

411 Mcmurray Road, Bethel Park, Pa 15102

Provide leadership to the organization's commercial lending, commercial credit, residential and consumer lending, and loan operations teams. Direct activities in order to ensure long-term growth of the organization's loan portfolios and minimize risk.

411 Mcmurray Road, Bethel Park, Pa 15102

Oversee all commercial lending and commercial credit functions of the Bank. Manage a staff of eleven (11) which includes four lenders, a credit manager, four credit analysts, commercial deposit officer and an assistant commercial deposit officer. Responsible for continued growth and maintenance of the Bank's commercial loan portfolio (currently $415 million). Provide assistance to commercial lending personnel in the negotiating, structuring, analysis, underwriting and documentation of commercial loan transactions. Manage and provide assistance to the Credit Manager and Credit Analysts to facilitate the consistent analysis and underwriting of new commercial loan transactions and annual reviews to ensure commercial loan portfolio quality and compliance with the Bank's commercial credit guidelines. Assist loan officers in work-out of problem loan situations. Involved in the writing, monitoring and updating of the Bank's commercial loan/commercial credit policies and procedures. Work with examiners, internal and external auditors to facilitate their audits of the Bank's commercial loan portfolio. Highlights:. • Responsible for growth and credit quality of the Bank's $375MM + commercial loan portfolio• Manage and develop a staff of Nine (four lenders, credit manager, four credit analysts)• Maintain and grow a personal loan portfolio of $150MM +• Annual Individual loan production of $15MM - $35MM• Cross-sell other bank products and servicesAreas of Lending Specialization• Loans to Non-owner occupied real estate (office, mini-strip, multi-family etc.)• Loans for owner occupied real estate• Loans to purchase equipment• Business Lines of Credit• Loans to municipal entities (TANS, TRANS, General Obligation Notes)

Greater Pittsburgh

Corporate Loan Review Officer (10 years)Responsible for the credit quality of commercial loan portfolios which ranged from $320 million to $3 Billion which included: Plan and perform,as both team leader and team member, management and credit quality reviews of the commercial lending functions of the National City Bank of Pennsylvania and its corporate affiliates. Insure adherence to lending policy and regulations. Identify problem situations, evaluate trends and assist in the plan to minimize losses. Compile monthly and quarterly risk rating reports and identify macro and micro trends within the portfolios to communicate to Bank and Corporate management. Provided information to and held discussions with Bank Examiners and internal auditors in order to facilitate their duties.Commercial Lender (2 years)Served as the Bank's representative to existing and potential clients to ensure that maximum value is provided to the clients while protecting the Bank's security interest and maximizing deposits, fees and income. Duties included: Analyze client's financial and banking needs. Act as a counselor in formulating financial solutions using Bank products and services to meet clients while protecting the Bank's interest and providing income to the Bank. Negotiate with clients' regarding rate, terms, conditions, collateral, covenants, and loan conditions to ensure balance between protection to the bank and satisfaction of the client. Presented Loans to various committee of the Bank and Corporation for approval. Worked with other areas of the Bank to facilitate the cross-sell of other Bank products and services. Provide portfolio maintenance, annual credit review and problem loan work-out.Tier II Underwriter (2 years)Perform underwriting and approval functions for the Bank's commercial loan relationships with aggregate commitments between $250,000 to $750,000. Mentor relationship managers in the areas of loan structure, analysis, underwriting and pricing