SUMMARY:
The Portfolio Manager is responsible for proactively managing portfolios by identifying trends and alerting management to changes in portfolio conditions. Partners with Relationship Managers (RM) to manage credit proposals and renewals; independently prioritizes requests, identifies risk and risk ratings, recommends and evaluates credit structure, and prepares proposals. Contributes to the development of profitable long-term credits.
CUSTOMER SERVICE SKILLS:
Willingness to provide a level of service which will clearly differentiate us from our competitors.
INTERPERSONAL SKILLS:
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 solutions oriented manner.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Underwrites and services commercial loan portfolios including management of covenant compliance testing, financial reporting, and annual reviews
Identifies credit weaknesses / trends and alerts management to deterioration
Collaborates with RM to prioritize new credit requests, renewals, modifications, and reviews
Provides risk ratings and recommends appropriate credit structure
Identifies policy exceptions
Prepares approval, commitment, proposal document, and participates in documentation process including the identification of covenants and other key provisions
Participates in customer meetings to discuss alternative credit structures and to clarify any questions. Also interacts with clients during due diligence and finalizing credit package
Contacts internal/external customers and other parties as appropriate to gather information and clarify inconsistent, incorrect or missing information. May include relevant pre-approval and post-approval activities.
Owns primary responsibility for the credit and monitoring of Commercial portfolio risks.
Responsible for underwriting quality, portfolio administration, and credit quality of assigned portfolio working direct.
Manages delinquencies, collateral exceptions, borrowing base, portfolio reviews, specialized reporting, soft exposure annual reviews, criticized loans, etc.
Serves as a secondary customer contact to the Relationship Manager
OTHER REQUIREMENTS:
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.
Strong analytical abilities, credit underwriting skills
Ability to work with others in a team environment and under occasional time constraints is a necessity.
Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals
Ability to write reports, business correspondence, and procedure manuals.
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Ability to work with mathematical concepts such as probability and statistical inference.
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
Ability to deal with problems involving several concrete variables in standardized situations.
Proficient in Microsoft Office Products including, Word, Outlook and highly proficient skills with Excel
Preferred QualificationsBachelor’s degree in business, finance, accounting or equivalent work experience or equivalent combination of education and experience are required.
Minimum of 2 years commercial credit or lending experience required.
WesBanco Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about WesBanco and has not been reviewed or approved by WesBanco.
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Healthcare Strength — Medical, dental, and vision options are paired with employer-paid long-term disability and basic life/AD&D tied to salary. Eligibility generally begins the first day of the month after hire, enhancing near-term coverage.
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Retirement Support — A defined 401(k) match with immediate vesting and auto-enrollment supports long-term savings. Clear eligibility timing and contribution structure make the benefit straightforward to access.
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Leave & Time Off Breadth — PTO is available for full- and part-time employees, with observation of most Federal Reserve Bank holidays. Some materials also highlight floating holidays and rejuvenation days that broaden time-off options.
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What We Do
Founded in 1870, WesBanco, Inc. (www.wesbanco.com) is a diversified and balanced financial services company that delivers large bank capabilities with a community bank feel. Our distinct long-term growth strategies are built upon unique sustainable advantages permitting us to span eight states with meaningful market share. Built upon our ‘Better Banking Pledge’, our customer-centric service culture is focused on growing long-term relationships by pledging to serve all personal and business customer needs efficiently and effectively. In addition to a full range of online and mobile banking options and a full-suite of commercial products and services, WesBanco provides trust, wealth management, securities brokerage, and private banking services through our century-old Trust and Investment Services department. WesBanco's banking subsidiary, WesBanco Bank, Inc., operates branches and offices in eight states Additionally, WesBanco operates an insurance agency, WesBanco Insurance Services, Inc., and a full service broker/dealer, WesBanco Securities, Inc.
