Consumer Credit Analyst I

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 and work:

• American Banker Best Banks to Work For in 2021, 2022, 2023, 2024 and 2025
• Top Workplaces USA national award in 2022, 2023, 2024, 2025 and 2026
• Newsweek’s America's Greatest Workplaces 2024, 2025 and 2026
• Forbes America’s Best Banks 2024 and 2025
• Forbes Best-in-State Banks 2020, 2021. 2025 and 2026
• 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, holidays, and much more. For full details of our benefits offerings, please visit: peoplesbancorp.com/about-us/find-a-career/ 

Our associates are each accountable for living the culture and values of the organization. This includes ensuring actions and behaviors create a positive and collaborative work environment, always acting with integrity and professionalism and providing extraordinary customer service. Our goal is for you to be successful; to that end being reliable in terms of ensuring you are at work on time and work your schedule as well as actively pursuing your performance objectives, will be fundamental in your contributing to the teams' success as well as the organization.

Job Purpose:  

The primary responsibility of this role is to underwrite consumer loan applications originating from both the branch and dealer networks. Will be expected to complete sound analysis of an applicant’s financial, credit, work and employment history to arrive at well-supported loan decisions that adhere to Bank and regulatory policies and guidelines. Will routinely interface with retail banking associates and dealer financing personnel to develop and discuss pending credit applications. Will assist in the on-going training of consumer loan principles to new personal bankers. Will collaborate with the Collection Department in the evaluation of loan workout and loan extension requests. 

Job Duties:   

• Will be responsible for underwriting a high volume of consumer loan applications originating from both the branch and dealer networks assisted by an automated underwriting system.  Will resolve any questions or gain clarification to render an accurate credit decision.
• Evaluate applicant characteristics including but not limited to financial condition, credit report, employment history, residence history and collateral in arriving at an objective and decisive credit decision.   
• Will analyze consumer financial documents or tax returns as necessary to establish ability to repay.    
• Will be responsible for approving loans within established authority and evaluate mitigating factors when recommending an approval on loans with policy exceptions.   
• Maintain a complete knowledge of internal and external policies and regulations impacting the consumer lending business.   
• Collaborate with the Collection Department in the evaluation and underwriting of loan modification and extension requests from existing consumer loan customers.   
• Provide training as necessary to retail branch or dealer finance staff as necessary to improve comprehension of bank guidelines and lending process.   
• Preparing or analyzing production reports as necessary.   
• Perform industry or market research as needed to understand relative competitiveness of price, product and process.   
• Complete letter of guarantee requests for totaled vehicles. Provide timely correspondence to insurance carriers to help process claims.
• Will provide follow up on title lien filings and Compliance and Patriot Act exceptions.
• Will provide excellent, accurate and professional service to internal and external customers.
• Help mentor & train new hires to department standards & procedures.
• Will perform special projects as assigned.      

Hours:  Monday - Friday 8:00 am – 7:00 pm and Saturday 8:00 am – 5:00 pm

Education, Job Skills and Qualifications:   

• Associates degree or equivalent work experience required.    Bachelor’s degree in business or finance preferred.  
• Consumer or residential loan underwriting experience, familiarity with automated underwriting systems preferred. Objective and decisive decision-making is essential.    
• Experience analyzing individual financial statements or tax returns.   
• Proven experience interfacing with internal or external clients. Must be able to communicate loan requirements, position questions and listen effectively.    
• Ability to work in a fast-paced, team-oriented production environment.    
• Positive, customer-focused, outgoing, team-oriented individual with analytical skills.   
• Must have proven negotiation, problem resolution and conflict management skills.   
• Working knowledge of general software products such as Word and Excel.   
• Understanding or familiarity with key regulations governing the business including but not limited to Regulation B, Regulation Z, Fair Credit Reporting Act etc.     

Basic Qualifications:

• Associates degree or equivalent work experience required.  

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