Joseph Holmes
About Joseph Holmes
Joseph Holmes is a Portfolio Analyst Advanced Staff at WesBanco, where he has worked since 2020, focusing on financial analysis and compliance in Upper Arlington, Ohio. He holds a Bachelor's degree in Accounting and Finance from Mount Vernon Nazarene University and has prior experience in various financial roles, including internships and administrative positions.
Work at WesBanco Bank
Joseph Holmes has been employed at WesBanco Bank since 2020, serving as a Portfolio Analyst Advanced Staff. In this role, he is based in Upper Arlington, Ohio, and has accumulated four years of experience. His responsibilities include assisting in the commercial loan process by testing financial covenants for compliance and conducting annual reviews of existing term loans. He also performs personal financial analyses for high net worth individuals, evaluating their cash flow, liquidity, income, assets, liabilities, and equity.
Education and Expertise
Joseph Holmes earned a Bachelor of Science degree in Accounting and Finance from Mount Vernon Nazarene University, where he studied from 2016 to 2019. His education provided him with a strong foundation in financial principles, which he has applied in various roles throughout his career. He has developed expertise in financial analysis and underwriting, particularly in the context of credit risk management.
Background
Before joining WesBanco Bank, Joseph Holmes gained experience as an Accounting Intern at Mar-Bal, Inc. in 2019, where he worked for three months. He also held the position of Administrative Chairperson at Mount Vernon Nazarene University from 2017 to 2019. Additionally, he completed an Assurance Internship at RSM US LLP in 2020 for two months, further enhancing his understanding of financial statements and tax returns.
Achievements
Joseph Holmes has developed significant skills in financial analysis and underwriting through his various roles. He has gained extensive knowledge in analyzing business tax returns to extract critical information regarding cash flow, debt, and profitability. His work in credit risk management has equipped him with the ability to assess financial covenants and ensure compliance in commercial lending.