VP & Senior Portfolio Manager - Credit Products

WesBanco Bank•Fort Lauderdale, FL

About The Position

Supports Commercial Bankers by serving as a liaison between lending sales personnel, commercial operations, and service support groups. Performs customer service and administrative follow-up for commercial loan and deposit relationships. The position requires knowledge of commercial loan products, loan processing systems, and the credit approval process, along with the ability to coordinate multiple tasks and work effectively with customers, colleagues, and external service providers. The role coordinates underwriting and processing of new loan requests and modifications with Credit Risk Management; facilitates credit submissions; engages and reviews third-party reports; and supports loan closings, funding, modifications, and resolution of exception items. It also requires maintaining confidentiality, following applicable banking laws and policies, and completing assigned compliance training.

Requirements

High school diploma or GED required.
Ability to coordinate and/or manage multiple tasks in various stages.
Good time management skills.
Ability to work with others in a team environment and under occasional time constraints.
Ability to maintain confidentiality.
Ability to use Microsoft Office software.
Willingness and ability to learn commercial banking software.
Professional demeanor in appearance, interpersonal relations, work ethic, and attitude.
Clear, concise, effective written and oral communication skills.
Willingness to provide a level of service that differentiates the Bank from its competitors.

Nice To Haves

Bachelor’s degree in Business Administration preferred.
Minimum of three years of relevant banking experience preferred.
Experience with commercial lending systems and loan documentation preferred.
Solid understanding of commercial lending, documentation, and servicing, including the ability to identify missing or needed information.
Previous formal credit training or proven strong credit analysis skills.
Ability to read, analyze, and interpret commercial construction loan documents, including notes, mortgages, and construction loan agreements.
Experience analyzing commercial client financial statements and identifying what is needed.
Experience reviewing loan covenants and assessing whether a loan can meet them.
Experience with commercial draw agreements and independently determining whether a draw amount is correct, including explaining the reasoning to a client when it is not.
Experience working independently with credit and underwriting personnel.

Responsibilities

Practice the standards of the Bank’s Mission, Vision, and Pledge.
Understand the commercial loan products and services offered by the Bank.
Maintain working knowledge of the Bank's loan processing system and credit approval process.
Coordinate underwriting and processing of new loan requests and modifications with Credit Risk Management.
Engage, coordinate, and review third-party reports, including appraisals, environmental reports, and inspections.
Attend joint meetings with Commercial Bankers, as applicable.
Input information into the lending system in conjunction with and on behalf of the Commercial Banker.
Facilitate submissions of credit requests into commercial processing software and use checklists to confirm required information and due diligence are complete.
Assist the Commercial Banker with commercial loan closings, including communicating with the Commercial Administration Support Analyst and coordinating outside service providers such as attorneys, accountants, insurance providers, and government agencies.
Help collect documents and maintain updated financial and other information required for new loans and modifications, under the guidance of the Commercial Banker.
Respond in a timely manner to questions from customers and internal departments.
Handle customer situations and problems professionally and confidentially.
Attend sales or closing meetings with the Commercial Banker.
Review checklists and loan closing documents to support loan funding.
Prepare modifications for material client loan changes.
Assist the Commercial Banker in addressing and resolving exception items.
Perform other duties as assigned.
Acquire and maintain proficiency in Bank policies and procedures, comply with applicable laws and regulations, and complete assigned compliance training.
Learn, understand, and promote Bank products and services.