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Business Banker
Job in
Winfield, Putnam County, West Virginia, 25213, USA
Listed on 2026-08-27
Listing for:
The Poca Valley Bank, Inc.
Full Time
position Listed on 2026-08-27
Job specializations:
-
Finance & Banking
Loan Officer / Lending, Credit Analyst
Job Description & How to Apply Below
- Responsible for managing an assigned commercial loan portfolio. This responsibility includes credit quality, credit approval and profitability of the portfolio.
- Performs due diligence to verify the information provided by customer and contained in the loan application or other information submitted.
- Gathers information about customer relationship and related credit exposures
- Utilizes multiple sources to gain background information on assigned clients
- Gains understanding of the borrower's industry
- Gathers and evaluates business/personal financial statements, balance sheets and tax returns to determine borrower's ability to pay
- Works with manager and credit administration on analyzing of information obtained.
- Assists with credit approval presentations to the Executive Loan Committee and Board of Directors when the proposed loan dollar value exceeds lending authority.
- Assists with credit file review and annual review of loans, and monitors existing credits
- Reviews new laws and regulations that influence business lending within the financial institution.
- Assist in the correction of loan deficiencies cited by examiners.
- Develops new customer prospects and business for the financial institution.
- May participate in customer calls with other lenders
- Responsible for deepening customer relationships with new and existing customers. This will be accomplished through understanding the full account relationship with customers and making sales calls.
- Attend and/or complete any assigned training
- Comprehensive knowledge of banking and lending concepts, practices and policies
- Ability to effectively analyze information and situations to make timely and sound decisions
- Highly organized
- Strong service and team orientation
- Proficient in Excel and Microsoft Word to produce documents and compile information
- Strong communication and interpersonal skills
- Complies with requirements imposed by federal and state regulatory agencies
- Respond to the needs and priorities of the customer, recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty
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