WesBanco · 1 month ago
Vice President and Credit Product Officer - Credit Products
United States
Full-time
Remote
Mid Level
2+ years expWesBanco is a bank seeking a Vice President and Credit Product Officer to support their credit and commercial lending functions. The role involves underwriting commercial requests, conducting portfolio reviews, and working with a team to meet departmental goals.
BankingFinanceFinancial Services
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
Qualification
Required
Bachelor's Degree in a business-related field required
At least two years of increasing responsibilities performing commercial credit underwriting and analysis, or commensurate accounting or finance experience required
Understanding of commercial loan structures and underwriting required
Experience with commercial real estate and commercial and industrial loans required
Willingness to provide a level of service which will clearly differentiate us from our competitors
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
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
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
Ability to define problems, collect data, establish facts, and draw valid conclusions
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 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
Preferred
Accounting or Finance preferred
Proficiency in Excel preferred
Formal Credit Training with proven analytical analysis preferred
Company
WesBanco
With over 150 years as a community-focused, regional financial services partner, WesBanco Inc.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
$260MKey Investors
PNC Bank
2025-09-10Post Ipo Equity· $230M
2022-10-03Post Ipo Debt· $30M
2015-11-02Acquired
Leadership Team
Jeff Jackson
Chief Executive Officer
Adam Thomas
Executive Vice President Tennessee Regional President
Recent News
2026-01-07
2025-10-29
Company data provided by crunchbase