- Maintains oversight via internal reporting and dashboards of all ongoing portfolio monitoring requirements and client deliverables as well as compliance with all terms of the loan agreement including (i) financial reporting, (ii) covenant compliance, (iii) collateral monitoring, (iv) required third party reports, (v) annual reviews, and (vi) maturing loans and lines of credit. In coordination with the business team, coordinates client follow up as needed for account monitoring and administration.
- Validates and analyzes reports such as financial statements, borrowing base certificates, collateral field examinations, appraisals, engineering reports, etc. to verify compliance. Completes financial statement spreads and cash flow analysis, performs collateral analysis, and conducts research on industries/markets. Escalates issues to appropriate levels and develops action plans as necessary.
- Ensures credits are accurately risk rated and are properly monitored and reported.
- Collaborates on preparation of all required quarterly reports and analysis including Criticized Loan Monitoring Reports as well as other portfolio management reports as required.
- Underwrites new prospective transactions as well as renewals, extensions, increases, and material modifications and amendments for existing clients.
- Participates in external client meetings as well as internal deal team discussions and approval discussions with senior management.
- Performs the required due diligence and analysis, produces the credit presentation in accordance with guidelines and policy while ensuring timely completion of the underwriting, and presents credit requests to the required level of credit authority.
- Participates in special projects and requests related to the management of the portfolio.
- Knowledge of credit underwriting, financial accounting and loan documentation.
- Knowledge of how a deal should be structured and comfortability with conversing this structure to lenders.
- Proficient computer skills using Microsoft Word, Excel and Outlook.
- Strong level of interpersonal and social skills needed to interact with loan officers, administrative staff and customers.
- Ability to manage time efficiently.
- Strong mathematical skills.
- Proficient credit skills.
- Strong administrative skills.
- Ability to write reports and business correspondence.
- Ability to effectively present information and respond to questions.
- High School diploma or GED.
- Minimum of 3 years of experience in a commercial lending environment in a credit-oriented and underwriting position.
- Bachelor's degree and completion of a formal credit training program.
Top Skills
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.
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