Loan Review Officer - Loan Review - Wheeling, WV

WesBanco Bank Inc.; Ross Township (Allegheny County); Sur place; USD 70 000 - 100 000; Plein temps

Résumé du poste

WesBanco, Inc. is seeking a Loan Review professional to support independent evaluations of the loan portfolio, documentation adequacy, and loan administration effectiveness.

You will assist in communicating review results in verbal and written form and help identify credit, legal and strategic risks arising from lending activities. The role requires a Bachelor's degree in a business-related field, at least 3 years of Federal Bank Examiner/Loan Review or Credit Analysis experience, and

Qualifications

• Bachelor’s degree in business-related field required; accounting or finance preferred.
• Minimum of 3 years of experience as a Federal Bank Examiner, Loan Review, or Credit Analysis.
• Proficiency in Microsoft Word, Excel and Outlook.
• Knowledge of commercial and consumer lending, banking laws and regulations.

Responsabilités

• Assist with objective evaluation of loan portfolio quality and documentation adequacy.
• Assist in communicating results from reviews verbally and in writing.
• Assess credit, legal and strategic risks arising from lending activities and assign risk grades.
• Recommend corrective actions for resolution of problem loans.
• Evaluate loan documentation adequacy and loan administration effectiveness.
• Lead exit meetings for unit reviews under supervision.
• Read, analyze and interpret financial reports and legal documents; write management reports.

Connaissances

Credit analysis

Financial statement analysis

Regulatory compliance

Lending knowledge

Report writing

Formation

Bachelor’s degree in business

Accounting or Finance major preferred

BAI Loan Review Certification

RMA Credit Risk Certification

Outils

Microsoft Word

Microsoft Excel

Microsoft Outlook

Description du poste

SUMMARY:

Under the direction of the Director of Loan Review, will provide assistance for the independent and objective evaluation of the quality of the loan portfolio, the adequacy of loan documentation, and the effectiveness of loan administration functions. Assists with the effective communication of results from reviews, in verbal and written forms.

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.

Thorough knowledge of commercial and consumer lending, banking laws and regulations, to effectively assist with the assessment of credit risk and the monitoring of compliance with loan policy, policies and procedures, applicable laws and regulations.

Assists with identification and assessment of credit, legal and strategic risks arising from lending activities.

Assesses collectability of extensions of credit through review of customer financial information, collateral information and documentation, and payment history. Assigns appropriate risk grades to reflect relative risk of default or loss. Recommends corrective actions to assist with resolution or workout of problem situations.

Evaluates adequacy of loan and collateral documentation and the effectiveness of loan administration.

Reviews commercial credits of all types and complexities.

Ability to lead exit meetings for unit reviews

Works under the supervision of the Loan Review Department Manager.

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.

Proficient in Microsoft Word, Excel and Outlook.

Ability to utilize tools provided in performing job responsibilities.

Must develop a good working knowledge of commercial lending, including collateral documentation, generally accepted practices and financial analysis skills.

Ability to read, analyze and interpret financial reports and legal documents.

Ability to write reports for management that conform to prescribed style and format.

Ability to define problems, collect data, establish facts and draw valid conclusions.

Ability to interpret a variety of technical and financial information and deal with both subjective and concrete variables.

Bachelor's degree from an accredited college or university in a business related field required. Accounting or Finance major preferred.

A minimum of 3 years of experience as a Federal Bank Examiner, Loan Review or Credit Analysis capacity is required.

BAI Loan Review Certification or RMA Credit Risk Certification preferred.