Senior Commercial Credit Underwriter

WesBanco, Inc.; Cincinnati (OH); On-site; USD 70,000 - 110,000; Full time

Job summary

WesBanco, Inc. in Cincinnati, OH seeks a Commercial Credit Underwriter to actively underwrite commercial requests, modifications, and to conduct line of credit and annual portfolio reviews in collaboration with lending and administrative staff.

The role emphasizes analyzing financial statements, performing cash flow analyses, and applying lending standards and regulations. Strong communication and computer skills are essential.

Qualifications

• Bachelor's degree in Accounting, Finance, or related field preferred; or equivalent combination of education and/or experience required.
• Minimum of two years of commercial credit underwriting and analysis or commensurate accounting or finance experience required.

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

Portfolio support

Communication skills

Microsoft Office

Education

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

Tools

Banking software

Microsoft Excel

Job description

WesBanco, Inc. in Cincinnati, OH seeks a Commercial Credit Underwriter to actively underwrite commercial requests, modifications, and to conduct line of credit and annual portfolio reviews in collaboration with lending and administrative staff.

The role emphasizes analyzing financial statements, performing cash flow analyses, and applying lending standards and regulations. Strong communication and computer skills are essential.