Senior Credit Review Specialist

2 weeks ago


Uniontown, Alabama, United States WesBanco Bank Inc. Full time

Job Title - Department
Senior Loan Review Officer - Loan Review
Location
Remote

This role is entirely remote within the Bank's operational area. The employee will work full-time from a location outside of WesBanco, with occasional attendance at in-person meetings, although the primary responsibilities are conducted remotely.

Market
Upper Ohio Valley
Work Hours per Week
37.5
Requirements
  • Bachelor's degree from an accredited institution in a business-related discipline is required, with a preference for Accounting or Finance majors.
  • A minimum of 8 years of experience in roles such as Federal Bank Examiner, Loan Review, or Credit Analysis is mandatory.
  • BAI Loan Review Certification is preferred.
  • RMA Credit Risk Certification is required.
Job Overview

SUMMARY:

Under the supervision of the Loan Review Manager, this position will support the independent and objective assessment of the loan portfolio's quality, the sufficiency of loan documentation, and the efficiency of loan administration processes. This role also involves effectively communicating review outcomes in both verbal and written formats.

CUSTOMER SERVICE SKILLS:

A commitment to delivering a service level that distinctly sets us apart from competitors.

INTERPERSONAL SKILLS:

Maintaining a professional demeanor in appearance, interpersonal interactions, work ethic, and attitude. Must possess clear, concise, and effective written and oral communication skills to convey thoughts, ideas, and concepts to management, bank employees, and customers in a collaborative and solution-oriented manner.

KEY RESPONSIBILITIES:

Comprehensive knowledge of commercial and consumer lending, banking regulations, and laws is essential for assisting in evaluating credit risk and ensuring compliance with loan policies and procedures.

Support the identification and evaluation of credit, legal, and strategic risks associated with lending activities.

Assess the collectability of credit extensions by reviewing customer financial data, collateral information, documentation, and payment history. Assign appropriate risk grades to indicate the relative risk of default or loss and recommend corrective actions for resolving problematic situations.

Evaluate the adequacy of loan and collateral documentation as well as the effectiveness of loan administration.

Review commercial credits of varying types and complexities.

Perform tasks related to the Loan Review function, including sample selection, review of workpapers completed by other Loan Review personnel, and preparation of reports detailing the results of the unit review.

Lead exit meetings for unit reviews.

Provide guidance to Loan Review staff.

Assist in special projects, including due diligence work.

Work under the direction of the Loan Review Department Manager.

Additional duties may be assigned as necessary.

OTHER REQUIREMENTS:

Given the highly regulated nature of the banking industry, it is expected that you will acquire and maintain proficiency in the Bank's policies and procedures and adhere to all applicable laws, rules, and regulations related to your conduct and responsibilities. Completion of all assigned compliance training in a timely manner is also required.

Develop a solid understanding of commercial lending, including collateral documentation, industry best practices, and financial analysis skills.

Demonstrate a willingness to collaborate as part of a team.

Proficiency in Microsoft Word, Excel, and Outlook is necessary.

Ability to effectively utilize tools provided to fulfill job responsibilities.



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