Josiah Bond
Stonewood,WV
Summary
Detail-oriented financial services professional with over 7 years of experience in banking, credit analysis, and client relationship management. Recognized for precise documentation and disciplined workflow management, contributing to compliance adherence and excellent client satisfaction. Holds a B.S. in Business Administration (Finance concentration) and relevant certifications.
Overview
1
1
Certification
9
9
years of professional experience
Work History
Credit Analyst II
MVB Bank
Stonewood, WV
04.2021 - 08.2026
- Authored detailed credit analysis memos and financial narratives, translating complex financial data into clearly understood summaries that informed loan approvers and senior decision-makers.
- Applied rigorous due diligence — including cash flow modeling, tax return review, and stress testing — ensuring every client was assessed equitably, thoroughly, and with consistent professionalism throughout each engagement.
- Managed end-to-end documentation workflows for commercial loan packages ranging from $200K to $25MM, ensuring precision, proper organization, and timely delivery to credit officers and loan committees.
- Coordinated pre-screen meetings with portfolio managers and loan officers to align on client needs prior to formal underwriting, maintaining consistent pipeline momentum and ensuring advisor readiness at each stage.
- Delivered comprehensive annual portfolio reviews and updated risk assessments, enhancing relationship management and providing advisor-ready documentation across the commercial portfolio.
- Collaborated with loan officers, credit managers, and senior leadership to resolve open items and uphold file accuracy, facilitating a seamless lending process.
- Leveraged Abrigo and LoanVantage platforms for workflow reporting, document tracking, covenant monitoring, and real-time loan pipeline management — ensuring visibility and accountability across active files.
- Maintained confidential borrower files, ensuring compliance with organizational standards and regulatory requirements to protect sensitive personal, business, and financial information.
Relationship Banker II
Huntington Bank
Bridgeport, WV
05.2018 - 04.2021
- Served as primary client-facing banker, providing responsive and professional service to personal and business banking clients across diverse financial needs and account types.
- Promoted from Relationship Banker I to Relationship Banker II within 4 months of hire — recognized for accelerated performance, professional conduct, and an exceptional ability to build trust-based client relationships.
- Resolved complex client concerns by identifying root causes and delivering effective solutions, fostering an environment where clients felt heard and valued.
- Handled high-value transactions and sensitive client information with unwavering discretion, personal integrity, and strict confidentiality at all times.
- Processed new account openings, loan servicing requests, and compliance documentation with full adherence to federal regulations and internal bank policies, maintaining zero tolerance for errors.
- Collaborated with branch team members to maintain a welcoming and compliant client environment aligned with institutional values and service standards.
- Participated in quarterly training exercises simulating real-world client scenarios, continually sharpening problem-solving skills, professional communication, and cross-team coordination capabilities.
Financial Representative
Northwestern Mutual
Clarksburg, WV
05.2017 - 02.2018
- Counseled clients on life and health insurance products and financial planning strategies tailored to individual risk tolerance, short-term needs, and long-term goals — prioritizing transparency and suitability in every recommendation.
- Established rapport and lasting client relationships through personalized consultations and strategic discovery conversations tailored to each client's financial needs.
- Recognized as top producer in West Virginia — awarded for consistent client engagement, goal attainment, and professional conduct throughout the representative role.
- Contributed to joint client meetings with senior financial representatives, enhancing collaborative advisory experience that upheld firm's professional standards.
- Organized audit-ready insurance application files, ensuring accurate documentation and efficient records management to facilitate seamless client onboarding.
Education
Bachelor of Science - Business Administration — Concentration in Finance
Fairmont State University
Fairmont, WV01-2017
Skills
- Lending expertise
- Financial statement analysis
- Portfolio management
- Regulatory compliance
- Quality control
- Abrigo and LoanVantage software expertise
- File management
- Workflow organization
- Process accountability
- Office Suite proficiency
- Time prioritization
- Client coordination
- Advisor and team support
- Professional communication
Certification
- Commercial Banking & Credit Analyst (CBCA) Certificate, Corporate Finance Institute (CFI)
- NMLS Certified, Nationwide Mortgage Licensing System
Accomplishments
- Promoted to Relationship Banker II within 4 months — Huntington Bank
- Recognized as Top Producer in West Virginia — Northwestern Mutual
- WV Promise Scholarship Recipient
Timeline
Credit Analyst II
MVB Bank
04.2021 - 08.2026
Relationship Banker II
Huntington Bank
05.2018 - 04.2021
Financial Representative
Northwestern Mutual
05.2017 - 02.2018
Bachelor of Science - Business Administration — Concentration in Finance
Fairmont State University