Commercial Banking Lead - Credit & Customer Growth

Poca Valley Bank; Winfield (WV); On-site; USD 60,000 - 90,000; Full time

Job summary

Poca Valley Bank is seeking a professional to manage a commercial loan portfolio, focusing on credit quality and profitability. You will perform due diligence, assess borrower financials, and support credit approvals while deepening customer relationships.

The role requires strong analytical ability, banking knowledge, and proficiency with Excel and Word. You will work with credit administration and participate in regulatory compliance to ensure sound lending practices.

Qualifications

• Comprehensive knowledge of banking and lending concepts.
• Ability to analyze information and make timely decisions.
• Highly organized and service/team oriented.
• Proficient in Excel and Microsoft Word to produce documents and compile information.
• Strong communication and interpersonal skills.
• Compliance with federal and state regulatory requirements.

Responsibilities

• Manage an assigned commercial loan portfolio with focus on credit quality, approval and profitability.
• Perform due diligence to verify information in loan applications and related materials.
• Gather information about customer relationship and related credit exposures.
• Utilize multiple sources to gain background information on assigned clients.
• Gain understanding of the borrower's industry and evaluate financial statements and tax returns.
• Work with manager and credit administration on information analysis.
• Assist with credit approval presentations to Executive Loan Committee and Board when loan value exceeds authority.
• Assist with credit file reviews and annual reviews of loans, monitoring existing credits.
• Review new laws and regulations that influence business lending.
• Assist in correcting loan deficiencies cited by examiners.
• Develop new customer prospects and deepen relationships through full account management.

Skills

Credit analysis

Financial statements

Analytical thinking

Excel

Microsoft Word

Communication

Customer service

Tools

Excel

Microsoft Word

Job description

Poca Valley Bank is seeking a professional to manage a commercial loan portfolio, focusing on credit quality and profitability. You will perform due diligence, assess borrower financials, and support credit approvals while deepening customer relationships.

The role requires strong analytical ability, banking knowledge, and proficiency with Excel and Word. You will work with credit administration and participate in regulatory compliance to ensure sound lending practices.