Credit Product Officer - Credit Products

WesBanco, Inc.; Cincinnati (OH); Remote; USD 55,000 - 85,000; Full time

Job summary

An established industry player seeks a Credit Officer to support its lending functions. This role involves underwriting commercial requests, conducting portfolio reviews, and collaborating with a dedicated team to achieve departmental goals. The ideal candidate will possess a Bachelor's degree in a business-related field and have experience in commercial credit underwriting. With a focus on effective communication and attention to detail, this position offers the chance to make a significant impact while working remotely within the Bank's footprint. Join a forward-thinking organization that values professional growth and teamwork.

Qualifications

• Bachelor's degree in business-related field required, preferably Accounting or Finance.
• 2+ years of experience in commercial credit underwriting and analysis.

Responsibilities

• Interpret financial statements and perform cash flow analysis.
• Complete credit underwriting for annual relationship reviews and loan modifications.

Skills

Financial Statement Analysis

Credit Underwriting

Communication Skills

Detail-oriented

Research and Special Projects

Education

Bachelor's Degree in Business

Experience in Commercial Credit Underwriting

Job description

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.

Location :

This position is 100% remote within the Bank's footprint. Employee will work full time remote outside of a WesBanco location (may occasionally attend in person meetings, although primary functions of the role are performed remotely).

Essential Duties and Responsibilities :

1. Interpret financial statements, perform cash flow and personal financial statement analysis.
2. Complete credit underwriting for annual relationship reviews, line of credit renewals, and loan modifications with minimal assistance.
3. Perform testing of commercial loan covenants.
4. Develop initial underwriting and assess credit worthiness and financial strength of a commercial loan applicant with minimal assistance.
5. Develop knowledge of lending standards, banking laws and regulations, and bank credit policies and procedures.
6. Determine the need for additional information, and work with the Banker to obtain information necessary to formulate a credit decision.
7. Present facts concerning the credit worthiness of commercial loan applicants, loan structure, and other relevant matters to management.
8. Assist with data gathering and review for various portfolio management projects where necessary.
9. Perform other duties as may be assigned.

Other Skills and Abilities :

1. Professional demeanor in appearance, interpersonal relations, work ethic, and attitude.
2. Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas, and concepts to bank employees and bank customers.
3. Capable of handling research and special projects, including coordinating with other departments.
4. Detail-oriented and self-motivated to complete required tasks in an efficient and timely manner.

Education and / or Experience :

1. Bachelor's Degree in a business-related field required (Accounting or Finance preferred).
2. At least two years of increasing responsibilities performing commercial credit underwriting and analysis, or commensurate accounting or finance experience required.
3. Understanding of commercial loan structures and underwriting required.
4. Experience with commercial real estate and commercial and industrial loans required.
5. Formal Credit Training with proven analytical analysis preferred.

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Credit Officer • Cincinnati, OH, United States