Senior Commercial Credit Analyst

WesBanco, Inc.; Uniontown (OH); On-site; USD 65,000 - 90,000; Full time

Job summary

WesBanco, Inc. in Uniontown, OH, is seeking a commercial credit underwriter to support underwriting of commercial requests, modifications, and line of credit reviews.

You will interpret financial statements, assess credit risk, ensure compliance with lending policies, and collaborate with lending staff to meet department goals; a bachelor’s degree and at least two years of experience are preferred.

Qualifications

• Minimum of two years of commercial credit underwriting and analysis.
• Bachelor's degree in Accounting, Finance, or related field preferred; or equivalent combination of education and/or experience.
• Proficiency in Microsoft Office and ability to learn banking software.

Responsibilities

• 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.

Skills

Financial statement analysis

Cash flow analysis

Credit underwriting

Credit analysis

Lending standards knowledge

Regulatory compliance

Data gathering

Portfolio support

Education

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

Job description

WesBanco, Inc. in Uniontown, OH, is seeking a commercial credit underwriter to support underwriting of commercial requests, modifications, and line of credit reviews.

You will interpret financial statements, assess credit risk, ensure compliance with lending policies, and collaborate with lending staff to meet department goals; a bachelor’s degree and at least two years of experience are preferred.