- Participates in credit training classes with proficiency evaluated through graded case work and testing. Training requirements, assigned tasks, and performance expectations must be met to proceed in the program.
- Prepares basic credit packages including credit analysis for extensions, modifications, and renewals of existing loan facilities and new loan requests.
- Spreads business financial statements using the Baker Hill/One Point system.
Analyzes a company's operating performance and financial condition to understand business trends and to identify credit risks. - Conducts cash flow analysis to evaluate loan repayment ability.
- Spreads and analyzes personal financial statements to evaluate personal liquidity, personal debt levels, and contingencies.
- Assesses collateral coverage.
- Performs industry/market analysis to identify industry trends and risks.
- Prepares loan offering and related forms for the credit package.
- Identifies and reports credit policy and underwriting experience.
- Completes underwriting requests within expected timeframes to meet assignment deadlines.
- Understands credit policies and is able to follow department procedures.
- Strong analytical abilities and problem solving skills.
- Strong organizational skills with attention to detail.
- Excellent communication skills; express ideas and convey technical information in writing and verbally.
- Proficient in Microsoft Word and Excel and performing internet searches.
- Basic math skills including the ability to compute ratios.
- Ability to work in a fast paced environment and move quickly through assignments to ensure deadlines are met.
- Ability to work effectively with individuals and groups to manage internal and external customer relationships.
- Ability to read, interpret, and comprehend policies, procedures, and training materials.
- Bachelor's Degree in a related discipline preferably in Business, Accounting, or Finance.
Completion of at least two college level accounting classes and one college level finance class preferred. - Minimum 3.0 GPA preferred.
- Completion of a business related internship preferred.
Skills Required
- Bachelor's degree in a related discipline, preferably Business, Accounting, or Finance
- Strong analytical and problem-solving abilities
- Strong organizational skills and attention to detail
- Excellent written and verbal communication skills
- Proficiency in Microsoft Word and Excel
- Ability to perform internet searches
- Basic math skills, including computing ratios
- Ability to work in a fast-paced environment and meet deadlines
- Ability to work effectively with individuals and groups to manage internal and external customer relationships
- Ability to read, interpret, and comprehend policies, procedures, and training materials
- Completion of at least two college-level accounting classes
- Completion of at least one college-level finance class
- Minimum 3.0 GPA
- Completion of a business-related internship
Valley Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Valley Bank and has not been reviewed or approved by Valley Bank.
-
Healthcare Strength — Health coverage spans medical, dental, and vision with HSA/FSA options alongside life, AD&D, disability, and EAP support. The breadth presents as a comprehensive, modern package for a regional bank.
-
Leave & Time Off Breadth — Time off offerings include vacation/PTO, sick leave, and volunteer PTO. Feedback suggests these elements contribute positively to work–life balance even when base pay feels light.
-
Retirement Support — Retirement programs include a 401(k) with company match and, for eligible employees, a deferred compensation plan. The presence of these programs strengthens total compensation.
Valley Bank Insights
What We Do
At Valley, we aren’t just your average financial institution; we're your trusted partner in building a brighter future. With a widespread presence across the U.S., we've been serving communities since 1927. For over 95 years, our team of dedicated professionals has been committed to creating better banking opportunities for our customers and fostering growth and prosperity in the communities we serve. From personalized financial solutions to comprehensive banking services, home mortgages, commercial lending, and wealth management, we're here to help you achieve your financial goals, no matter how big or small. We understand that each individual and business has unique challenges and opportunities, and we're here to listen, understand, and provide tailored solutions to help you succeed. ©2025 Valley National Bank. Member FDIC. Equal Opportunity Employer. Equal Housing Lender. All Rights Reserved.
