Business Banker

The Poca Valley Bank, Inc.; East Side (WV); On-site; USD 70,000 - 100,000; Full time

Job summary

The Poca Valley Bank, Inc. is seeking an experienced professional to manage an assigned commercial loan portfolio, focusing on credit quality, profitability, and sound lending decisions. You will perform due diligence, analyze financial statements, and prepare materials for credit approvals.

Responsibilities include deepening customer relationships, presenting to committees when needed, and staying compliant with banking regulations. Strong communication and Excel/Word skills are essential.

Qualifications

• Ability to analyze complex financial statements and determine borrower's ability to pay.
• Strong understanding of banking and lending concepts.
• Proficiency in Excel and Word for documenting and presenting analyses.
• Excellent communication and interpersonal skills for internal and external stakeholders.
• Focus on credit quality, risk management, and profitability of the loan portfolio.

Responsibilities

• Manage an assigned commercial loan portfolio with focus on credit quality and profitability.
• Perform due diligence to verify information in loan applications from multiple sources.
• Evaluate business and personal financial statements and tax returns to assess repayment capacity.
• Assist with credit approval presentations to committees when loan values exceed authority.
• Monitor existing credits and conduct annual reviews; participate in customer calls as needed.

Skills

Credit analysis

Financial statements

Excel

Microsoft Word

Customer relations

Communication

Regulatory compliance

Portfolio management

Tools

Excel

Microsoft Word

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