Senior Commercial Credit Underwriter

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

Job summary

WesBanco, Inc. in Ohio is seeking a Credit Underwriter to support the bank's commercial lending functions by evaluating financial statements, cash flow analyses, and credit requests, ensuring sound underwriting practices.

You will collaborate with lending and administrative staff to complete annual relationship reviews, line of credit renewals, and loan modifications. The role requires attention to detail, strong communication, and adherence to banking policies.

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

Credit underwriting

Underwriting experience

Communication skills

Detail-oriented

Education

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

Tools

Microsoft Office

Banking software

Job description

WesBanco, Inc. in Ohio is seeking a Credit Underwriter to support the bank's commercial lending functions by evaluating financial statements, cash flow analyses, and credit requests, ensuring sound underwriting practices.

You will collaborate with lending and administrative staff to complete annual relationship reviews, line of credit renewals, and loan modifications. The role requires attention to detail, strong communication, and adherence to banking policies.