Credit Product Officer - Credit Products - Wheeling, WV

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.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• 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.
• 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.
• Demonstrated proficiency in basic computer applications such as Microsoft Office and ability to learn various applications.
• Ability to learn various Banking Software programs.
• Bachelor's degree, Accounting, Finance, or related field preferred; or equivalent combination of education and/or experience required.
• Minimum of two year of commercial credit underwriting and analysis or commensurate accounting or finance experience required.