Business Banking Portfolio Analyst

Build Your Future Here:

Thinking of changing jobs or starting your career at a growing company with an award-winning culture? Well, you are in the right place. Join us on our journey to being the Best Community Bank in America. Our motto is Working Together. Building Success. and by joining Peoples Bank, we will work together to help you achieve your career goals, just like we help thousands of clients reach their financial goals.

Peoples Bank is one of the largest 150 banks in the United States with 130 full-service bank branches in Ohio, West Virginia, Kentucky, Virginia, Washington D.C. and Maryland. We also have Specialty Finance offices in Minnesota, Missouri and Vermont. Peoples Bank prides itself as a community bank and dedicates its resources to improving our communities. The Peoples Bank Foundation celebrated its 20th anniversary in 2023, donating over $7 million to local organizations since its inception.

We are proud to share national accolades that celebrate our company culture and recognize us as a great place to bank:

• American Banker Best Banks to Work For in 2021, 2022, and 2023
• Top Workplaces USA national award in 2022, 2023, and 2024
• Newsweek's America's Best Banks 2023, and 2024
• Newsweek's America's Greatest Workplaces for Women 2025
• U.S. News & World Report's Best Companies to Work For in Banking and in the Midwest 2024-2025

At Peoples Bank, we know that there is more to life than work. But we also understand that the quality of the work environment and employee benefits can greatly impact an associate's life. That's why we seek to create a great benefits package for our associates including: 401(k) retirement plan with an employer match, employee stock purchase plan, various education assistance programs such as student loan and tuition paydown/reimbursement, paid vacation, and holidays, and much more. For full details of our benefits offerings, please visit: peoplesbancorp.com/about-us/find-a-career/

Job Purpose:

Analyzes and evaluates required financial information for loans managed within assigned portfolio. Assists Business Banking Portfolio Managers with credit transactions and overall portfolio tasks, including but not limited to, financial statement collection, financial results spreading, analyses, risk rating validation, annual reviews, and general credit underwriting, monitoring, and early stage collection efforts.

Job Duties:

• Analyzes and evaluates required financial information for loans managed within assigned portfolio.
• Assists Business Banking Portfolio Managers with credit transactions and overall portfolio tasks, including but not limited to, financial statement tracking and collection, financial results spreading, analyses, risk rating validation, annual reviews, and general credit underwriting, monitoring, and early stage collection efforts.
• Directly communicates with commercial clients regarding credit events and actions, including but not limited to, required financial statement collection, covenant compliance, defaults, loan renewals, criticized asset reviews, annual or shelf reviews.
• Reviews loan documents and monitors loan payment histories, past dues, loan collateral and inspections, monetary compliance/defaults.
• Performs guarantor and business financial analyses to identify financial trends, assess and validate risk ratings, identifying early warning signs of deteriorating loans; timely escalates defaults, potential issues, risks, or 'red flags' suggesting elevated loan or portfolio risk; collaborates to devise appropriate credit actions to mitigate said risk.
• Orders and reviews credit bureaus, background checks, and other third party reports as may be warranted.
• Tracks and tests covenant requirements and manages internal and external/borrower follow up steps (waivers, reservation of rights, etc.) for assigned portfolio.
• Devises, negotiates, underwrites and executes loan renewals and modifications designed to proactively manage risk and maintain asset quality.
• Assists Business Banking Portfolio Managers with defining borrowers and guarantors, deal structure, credit terms and conditions, financial reporting, covenant structure and in preparation of written credit memoranda to memorialize the same.
• Collaborates with internal partners such as the documentation preparation and funding team and Loan Operations to close approved transactions.
• Provides timely and accurate reporting to management and assists management in monitoring and following-up on monthly reporting, including but not limited to, collateral or documentation exception, delinquency, financial statement, financial covenant tracking, borrowing base, and maturity reports.
• Partners with Commercial Collections on defaulted lines and troubled credits.
• Focuses on execution within defined credit lending policies and procedures..
• Monitors market and industry specific segment trends, continuous learning to keep pace with ever-changing market dynamics.
• Manages internal and external resources and delivers on our core values to support a high level of customer experience and reduce attrition while effectively controlling expenses.
• Will perform special projects as assigned.

Education, Job Skills and Qualifications:

• Bachelor's or Associate degree or equivalent experience.
• Business credit, underwriting, or portfolio monitoring experience preferred.
• Familiarity with U.S. Small Business Administration loan programs and other federal, state, and municipal alternative lending programs preferred.
• Working knowledge of the following:
  1. Commercial Lending
  2. Credit approvals
  3. Loan documentation
  4. Collateral valuation
• Analytically minded - ability to evaluate financial statements, interpret results and reach conclusions.
• Ability to work independently and to handle and prioritize multiple tasks.
• Strong verbal and written communication skills.
• Strong problem solving and conflict resolution skills.
• Strong interpersonal skills.
• Highly organized and attentive to detail.
• Proven ability to exercise discretion and sound judgment.
• Ability to understand and apply bank's credit policy.
• Ability to understand and apply applicable banking laws, regulatory requirements and credit/risk management practices.
• Proven ability to effectively communicate viewpoint and make independent decisions.
• Proficient with the Microsoft suite of products and commercial loan origination system software platforms. nCino experience a plus.
• Some travel required; must have a valid driver's license for travel throughout Peoples Bank footprint of offices.

Basic Qualifications:

• Bachelor's or Associate degree or equivalent experience.
• Some travel required; must have a valid driver's license for travel throughout Peoples Bank footprint of offices.

Equal Opportunity Employer M/F/Disabled/Vet;
If you are unable to complete this application due to a disability, contact humanresources@pebo.com to ask for an accommodation, alternative application process, or other inquiries.