Commercial Healthcare Credit Analyst - Healthcare Commercial Banking Admin

WesBanco Bank, Inc.•Ann Arbor, MI

21d

About The Position

Supports the Healthcare team with financial analysis, covenant and exception monitoring, and assistance in preparation of credit approval materials for healthcare borrowers such as hospitals, senior living, skilled nursing, not for profit, physician groups, and other healthcare organizations.

Requirements

Strong financial statement analysis skills, with the ability to interpret healthcare financials and operating metrics.
Ability to manage multiple priorities in a regional-bank environment with lean teams.
Excellent written and verbal communication skills, including grammar and demeanor.
Strong organizational skills with attention to detail, planning, and follow-up.
Proficiency in Excel and financial modeling.
Ability to utilize Microsoft Office software.
Ability to learn commercial banking software.
High School Diploma or GED required
1– 4+ years of experience in commercial banking, credit analysis, or related field.

Nice To Haves

Bachelor’s degree in Finance, Accounting, Economics, or Business preferred.

Responsibilities

Performs risk rating analysis and spreading of financials
Assists in team in compiling credit package for approval.
Supports Portfolio Managers in managing a portfolio of healthcare clients.
Monitors financial statement reporting requirements, track and review quarterly and annual statements for covenant compliance, exceptions, and trends.
Performs covenant testing and document results accurately and timely.
Tracks credit, collateral, insurance, entity, and reporting exceptions; assist with remediation and follow-up with clients or internal partners.
Maintains comprehensive and accurate credit files in accordance with bank policy.
Identify early warning indicators and help recommend risk-mitigation strategies.
Participates in client calls, site visits, and due-diligence sessions to better understand operations and risks.
Collaborates with internal partners (Loan Operations, Treasury, Compliance, Legal) on documentation, closing, and ongoing monitoring.
Maintains working knowledge of healthcare industry dynamics, including reimbursement changes, regulatory environment, labor and staffing trends, and payer mix considerations.
Provides support in preparing internal sector reports, portfolio analytics, and trend summaries.