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Toni Conrad has extensive work experience in the banking industry. Toni started their career in 2003 as a Credit Analyst at S&T Bank, where they worked until 2007. At Farmers & Merchants Bank of Western PA, they held the positions of Sr. Credit Analyst from 2007 to 2010, and later became a Commercial Lender from 2010 to 2011. Toni then joined NexTier Bank (formerly known as Farmers & Merchants Bank of Western PA) as an AVP Commercial Lender in 2011 and was promoted to Vice President Commercial Lender in 2015. Throughout their career, they have developed expertise in credit analysis and commercial lending. Prior to their banking career, they worked as a Store Associate at American Eagle Outfitters from 2000 to 2004.

Toni Conrad completed a Bachelor's degree in Accounting and Finance from Indiana University of Pennsylvania from 2000 to 2003. In 2011, they attended Pennsylvania Banker Association. Toni Conrad also participated in the Small Business Lending Conference - Quality Circle in 2006. Additionally, they completed an Omega Lending Course in 2005-2006. There is no information available about Toni Conrad's education at The Risk Management Association (RMA).