Credit Product Officer - Credit Products

WesBanco, Inc.; Bowie (MD); Hybrid; USD 72,000 - 78,000; Full time

Benefits offered by this job

Health insurance

401(k) with employer match

Paid time off

Job summary

WesBanco, Inc. in Bowie, MD is seeking a Credit Product Officer to support the bank's lending functions by underwriting commercial requests, modifications, and annual reviews.

The role collaborates with lending and administrative staff to meet department goals. The ideal candidate has a Bachelor's degree in accounting or finance and at least two years of underwriting experience, with strong financial statement and cash flow analysis skills.

Qualifications

• Bachelor’s degree preferred; or equivalent combination of education and experience.
• Minimum of two years of commercial credit underwriting and analysis experience.
• Experience with underwriting and credit reviews is desirable.

Responsibilities

• Underwrite commercial requests and modifications with minimal supervision.
• Perform cash flow and personal financial statement analysis.
• Conduct annual portfolio reviews and line of credit renewals.
• Present credit decisions to management with supporting data.
• Coordinate with lending staff to meet department goals.

Skills

Credit underwriting

Financial statement analysis

Cash flow analysis

Education

Bachelor's degree in Accounting, Finance, or related field

Tools

Microsoft Office

Job description

#51-10007

Location

This position is hybrid. The employee is split between remote and office work on a formalized schedule. Consideration for location will be Bowie - Bowie, MD.

Market

Mid-Atlantic

40

Requirements

Bachelor’s degree, Accounting, Finance, or related field preferred; or equivalent combination of education and/or experience required.

Minimum of two year of commercial credit underwriting and analysis or commensurate accounting or finance experience required.

Job Description

SUMMARY:

Support the Bank's credit and commercial lending functions by actively underwriting commercial requests, modifications, and conducting line of credit and annual portfolio reviews while working with a team of lending and administrative staff to achieve the goals established for the department and the Bank.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Interprets financial statements, perform cash flow and personal financial statement analysis.

Completes credit underwriting for annual relationship reviews, line of credit renewals and loan modifications with minimal assistance.

Performs testing of commercial loan covenants.

Develops initial underwriting and assess credit worthiness and financial strength of a commercial loan applicant with minimal assistance.

Develops knowledge of lending standards, banking laws and regulations, and bank credit policies and procedures.

Determines the need for additional information, and work with the Banker to obtain information necessary to formulate a credit decision.

Presents facts concerning the credit worthiness of commercial loan applicants, loan structure, and other relevant matters to management.

Assists with data gathering and review for various portfolio management projects where necessary.

Performs other duties as may be assigned.

OTHER REQUIREMENTS:

Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the Bank's policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing. You will also be expected to complete all assigned compliance training in a timely manner.

Professional demeanor in appearance, interpersonal relations, work ethic and attitude.

Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to bank employees and bank customers.

Capable of handling research and special projects, including coordinating with other departments.

Detail-oriented and self-motivated to complete required tasks in an efficient and timely manner.

Demonstrated proficiency in basic computer applications such as Microsoft Office and ability to learn various applications.

Ability to learn various Banking Software programs.

ADDITIONAL INFORMATION:

The wage range for theCredit Product Officer position is$72,000 - $78,000annually. The position includes22daysof PTO (Paid Time Off),5 days of STD (Short Term Disability),11 annual paidholidays,and 1 float holiday.

WesBanco has an excellent benefits package to include medical, dental, and vision, Health Care Flexible Spending, Dependent Care Flexible Spending, Transportation Fringe Benefit Plan, Group Life, Long Term Disability, Optional Life, access tovoluntarybenefit products such as Cancer, Term & Universal Life, Accident, Short-Term Disability and Critical Illness policies, andother ancillary benefit products. WesBanco also offers 401(k) with employee match .

Full-Time/Part-Time

Full-time

Area of Interest

Credit Products

All Locations

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WesBanco is an Equal Opportunity, Aff

er

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