The Role
Lead underwriting, structuring, and portfolio monitoring for commercial loan portfolios. Perform due diligence and financial analysis, mentor junior staff, present credit requests, manage loan documentation and compliance, and produce portfolio reports.
Summary Generated by Built In
Job Summary & ResponsibilitiesPreferred Qualifications
Responsibilities include but are not limited to:
- Responsible for monitoring on a timely basis the ongoing financial health of an assigned loan portfolio while maintaining the ongoing communication and dialogue with clients in conjunction with the business team for all credit related reporting and business updates.
- Underwrites and structures new prospective transactions as well as renewals, extensions, increases, and material modifications and amendments for existing clients.
- Leads external client meetings as well as internal deal team discussions and approval discussions with senior management. Identifies, outlines, and mitigates risks associated with potential lending opportunities, advises on all matters related to the Bank's Credit Policy and related procedures, and provides guidance on loan structures and risk appetite.
- Reviews credit packages completed by junior team members and provides general guidance and mentorship.
- Performs the required due diligence and analysis, produces the credit presentation in accordance with guidelines and policy while ensuring timely completion of the underwriting, presents credit requests to the required level of credit authority, and oversees the legal documentation and closing process.
- Approves transactions under individual lending authority, when applicable.
- 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, maintains direct contact with clients as needed for account monitoring and administration and site visits.
- Validates and analyzes reports such as financial statements, borrowing base certificates, collateral field examinations, appraisals, engineering reports, etc. to verify compliance. Escalates issues to appropriate levels and develops action plans as necessary.
- Ensures credits are accurately risk rated and are properly monitored and reported.
- Prepares all required quarterly reports and analysis including Criticized Loan Monitoring Reports as well as other portfolio management reports as required.
- Participates in special projects and requests related to the management of the portfolio.
Required Skills:
- Demonstrates a strong understanding of policies and procedures, underwriting guidelines and RACs.
- Advanced knowledge of credit underwriting, financial accounting and loan documentation.
- Advanced knowledge of how a deal should be structured and comfortability with conversing this structure to lenders.
- Strong 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.
- Strong credit skills.
- Strong administrative skills.
- Ability to write reports and business correspondence.
- Ability to effectively present information and respond to questions.
Required Experience:
- High School diploma or GED
- Minimum of 7 years of experience in a commercial lending environment in a credit-oriented and underwriting position.
Preferred Experience:
- Bachelor's degree in a related field and completion of a formal credit training program.
Skills Required
- Minimum of 7 years experience in a commercial lending environment in a credit-oriented and underwriting position
- High School diploma or GED
- Advanced knowledge of credit underwriting, financial accounting and loan documentation
- Experience monitoring ongoing financial health of loan portfolios, covenant compliance, and collateral monitoring
- Ability to underwrite, structure and present new transactions, renewals, extensions, increases, and material amendments
- Experience performing due diligence and validating financial statements, appraisals, engineering reports and collateral field exams
- Ability to lead client meetings and internal deal team and approval discussions with senior management
- Experience reviewing credit packages and mentoring junior team members
- Strong interpersonal, written communication, and presentation skills
- Strong mathematical, analytical, and administrative skills
- Strong computer skills using Microsoft Word, Excel and Outlook
- Bachelor's degree in a related field
- Completion of a formal credit training program
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.
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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.
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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.
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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.
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The Company
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.
