Secured Credit Securities Monitoring Officer - Secured Credit Administration

WesBanco Bank, Inc.•Ann Arbor, MI

About The Position

Responsible for monitoring and reporting of loans secured with marketable securities. This position will also serve as a secondary point of contact for the department and will assist the Secured Credit Manager with compliance and reporting functions, as well as department Team Leads as needed. 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.

Requirements

Familiarity with brokerage statements
Above average understanding of commercial lending operations, procedures, and loan documentation.
Ability to read, understand and interpret federal regulations and WesBanco’s credit policy.
Ability to read, understand and interpret loan approvals and documentation.
Ability to interact effectively and confidently across all levels of the organization, including senior management, other departments, and vendors.
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 management, bank employees, and bank customers in a collaborative and solution-oriented manner.
Ability to multi-task
Ability to meet and enforce deadlines and internal service level agreements.
Ability to work collaboratively in a team environment.
Strong organizational and problem-solving skills
Ability to be trained in new areas to serve as back-up for flood determination processing, FDICIA review and Floor Plan Vendor document uploads.
Must be able to manage and safeguard confidential information.
Proficient with Microsoft Office including Excel.
Proficient in Capital Stream and IBS
Associates degree and/or a minimum of 5 years’ related experience in Commercial Lending Operations required.

Nice To Haves

Leadership or Supervisory skills preferred.
Experience with report generation and creation in BIC preferred.
Experience with Archer, SharePoint, Quiktrak, CoreLogic, Collateral360 or other vendor platforms.

Responsibilities

Evaluates marketable securities pledged as loan collateral to assess adequacy, risk exposure, and compliance with credit policy.
Analyzes fluctuations in collateral value and determines appropriate actions to mitigate risk, including recommending margin calls, additional collateral, or other protective measures.
Exercises discretion in identifying emerging risks and proactively escalates or addresses issues impacting the bank’s secured lending portfolio.
Provides consultative guidance to bankers and credit partners regarding collateral sufficiency, risk trends, and policy application.
Interprets and applies credit policies to complex or non-routine situations, recommending appropriate resolutions.
Advises management on exceptions, risk exposure, and process improvements related to secured credit operations.
Determines and communicates required collateral adjustments and ensures alignment with lending standards and regulatory expectations.
Coordinates with Loan Operations and business partners to implement risk mitigation actions, exercising judgment in prioritization and resolution of issues.
Identifies process gaps and recommends enhancements to improve efficiency, accuracy, and risk controls within collateral monitoring workflows.
Monitors adherence to internal credit policies and regulatory requirements, ensuring collateral practices meet audit and compliance standards.
Leads or significantly contributes to audit and examination preparation, including validating documentation, resolving findings, and recommending corrective actions.
Maintains accountability for data integrity and reporting accuracy related to collateral positions.
Serves as a key liaison and subject matter resource for secured credit collateral practices across business units.
Communicates risk insights and recommendations to senior management and stakeholders, influencing decision-making.
Handles complex or escalated issues independently, determining appropriate resolution paths.
Oversees and ensures accuracy of collateral data within LOS and external systems, resolving discrepancies through independent analysis.
Develops expertise in systems and vendor platforms to optimize usage and recommend improvements.
Reads and understands WesBanco Credit Policies
Other duties as assigned.