Business Banker

Poca Valley Bank; Charleston (WV); On-site; USD 70,000 - 100,000; Full time

Job summary

Poca Valley Bank in Charleston, WV seeks an experienced loan professional to manage an assigned commercial loan portfolio. You will analyze credit, perform due diligence, present to senior committees, and work with credit administration while growing customer relationships.

The role requires strong Excel/Word skills and a solid understanding of banking and lending concepts. The position offers on-site work in Charleston, WV with opportunities to collaborate across departments and participate in

Responsibilities

• Managing an assigned commercial loan portfolio, including credit quality and profitability.
• Performing due diligence to verify information in loan applications.
• Gaining understanding of borrowers' industries and evaluating financial statements.
• Assisting with credit approval presentations to committees when loan values exceed authority.
• Developing new business and deepening customer relationships through account oversight.
• Staying compliant with federal and state lending regulations and internal policies.

Job description

• Responsible for managing an assigned commercial loan portfolio. This responsibility includes credit quality, credit approval and profitability of the portfolio.
• Performs due diligence to verify the information provided by customer and contained in the loan application or other information submitted.
• Gathers information about customer relationship and related credit exposures
• Utilizes multiple sources to gain background information on assigned clients
• Gains understanding of the borrower's industry
• Gathers and evaluates business/personal financial statements, balance sheets and tax returns to determine borrower's ability to pay
• Works with manager and credit administration on analyzing of information obtained.
• Assists with credit approval presentations to the Executive Loan Committee and Board of Directors when the proposed loan dollar value exceeds lending authority.
• Assists with credit file review and annual review of loans, and monitors existing credits
• Reviews new laws and regulations that influence business lending within the financial institution.
• Assist in the correction of loan deficiencies cited by examiners.
• Develops new customer prospects and business for the financial institution.
• May participate in customer calls with other lenders
• Responsible for deepening customer relationships with new and existing customers. This will be accomplished through understanding the full account relationship with customers and making sales calls.
• Attend and/or complete any assigned training
• Comprehensive knowledge of banking and lending concepts, practices and policies
• Ability to effectively analyze information and situations to make timely and sound decisions
• Highly organized
• Strong service and team orientation
• Proficient in Excel and Microsoft Word to produce documents and compile information
• Strong communication and interpersonal skills
• Complies with requirements imposed by federal and state regulatory agencies
• Respond to the needs and priorities of the customer, recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty