Commercial Credit 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 has donated over $8 million to local organizations since its inception in 2003.

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, 2023, and 2024
• Top Workplaces USA national award in 2022, 2023, 2024 and 2025
• Newsweek's America's Best Banks 2023 and 2024
• Newsweek’s America's Greatest Workplaces 2024 and 2025
• Forbes America’s Best Banks 2024 and 2025
• Forbes Best-in-State Banks 2020, 2021 and 2025
• TIME’s America’s Growth Leaders 2026 award winner

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:

Performs financial statement spreading and analysis, loan renewals and extensions, annual shelf reviews, collateral analysis, covenant testing and risk rating and loan coding validation with proper identification and evaluation of risks and mitigants. Complies with established processes, quality standards and responsiveness expectations.

Job Duties:

• Spreads financial statements.
• Analyzes financial statements to identify credit risks including, but not limited to primary and secondary repayment sources evaluate repayment sources.
• Performs industry analysis to identify strengths and weaknesses as contributing factors to the credit worthiness of borrowers.
• Performs loan renewals, extensions, shelf reviews and covenant testing.
• Complies with established processes, quality standards and responsiveness expectations.
• Validates risk ratings and requests changes if warranted.
• Validates loan codes within loan packages to ensure accuracy.
• Builds out loan request details within loan origination system in conjunction with commercial banking portfolio managers.
• Participates in Pre-Flight discussions as deemed beneficial and memorializes takeaways.
• Adheres to bank’s policies and procedures and complies with regulatory requirements.
• Will perform special projects as assigned.

Education, Job Skills and Qualifications:

• Bachelor's degree required. Specialization in accounting, finance or economics preferred.
• Analytically minded - ability to evaluate financial statements, interpret results and reach conclusions.
• 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.
• Proven ability to effectively communicate viewpoint and make independent decisions.
• Ability to understand and apply bank’s credit policy.
• Ability to understand and apply applicable banking laws, regulatory requirements and credit/risk management practices.
• Proficient with the Microsoft suite of products, especially excel.
• Some travel required; must have a valid driver's license for travel throughout Peoples Bank footprint of offices.

Basic Qualifications:

• Bachelor's degree required. Specialization in accounting, finance or economics preferred.
• 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.