Credit Risk Officer - Credit Analysis

SUMMARY:

As a Credit Risk Officer, you will 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). 

CUSTOMER SERVICE SKILLS:

Willingness to provide a level of service which will clearly differentiate us from our competitors.

INTERPERSONAL SKILLS:

Professional demeanor in appearance, interpersonal relations, work ethic and attitude.

Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to bank employees and bank customers.

Capable of handling research and special projects, including coordinating with other departments.

Detail-oriented and self-motivated to complete required tasks in an efficient and timely manner.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Ability to interpret financial statements, perform cash flow and personal financial statement analysis.

Complete credit underwriting for annual relationship reviews, line of credit renewals and loan modifications.

Perform testing of commercial loan covenants.

Develop initial underwriting and assess credit worthiness and financial strength of a commercial loan applicant.

Develop knowledge of lending standards, banking laws and regulations, and bank credit policies and procedures.

Determine the need for additional information, and work with the Banker to obtain information necessary to formulate a credit decision.

Ability to present facts concerning the credit worthiness of commercial loan applicants, loan structure, and other relevant matters to management.

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.

Knowledge of Microsoft Office products and other computer software; proficiency in Excel preferred.

Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents.

Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community.

Ability to write presentations that conform to prescribed style and format.

Ability to effectively present information to top management.

Ability to work with mathematical concepts such as net present value and apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

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