MVB

Senior Credit Analyst

MVB

full-time

Posted on:

Location Type: Remote

Location: Arizona • Florida • United States

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Job Level

Senior

About the role

  • Perform underwriting tasks by preparing complex business and personal financial spreads
  • Perform risk analysis tasks by preparing complex risk grading documents and exercising subjectivity where appropriate
  • Perform research and analysis tasks by reviewing complex third-party reports to identify credit risk relevant to loan requests
  • Perform comprehensive credit analysis by preparing complex loan request presentations
  • Develop specialization in specific industries and/or loan types to provide expertise as a resource to the credit and lending departments
  • Assess and make recommendations with respect to borrower risk profiles
  • Perform underwriting and risk analysis for complex commercial loan renewals and modifications
  • Prepare service requests as needed to support portfolio management objectives
  • Maintain financial statement tickler, covenant tickler and annual review tickler systems
  • Complete education, as identified or assigned, that provides expertise in loan underwriting and overall professional development
  • Assist with the training and development of junior analysts

Requirements

  • Bachelor’s degree in accounting, finance, economics, or related field, or equivalent work experience
  • Minimum 5-7 years of experience in commercial credit analysis and underwriting required.
  • 7+ years of experience in underwriting large, complex commercial real estate (CRE) loans, commercial & industrial (C&I) loans, acquisition, development & construction (AD&C) loans, and asset-based lending credits is preferred.
  • Experience in underwriting borrowers in a variety of industries and sectors including but not limited to financial technology, payments processing, renewable energies, and/or litigation finance a significant plus.
  • Proficient in credit administration, policy, and procedures
  • Proficient in economics, accounting, and finance
  • Proficient in risk analysis and mitigation
  • Proficient in technical report writing
  • Excellent verbal and written communication skills.
Benefits
  • Medical, Dental and Vision Insurance
  • Health Savings Account (HSA), Health Reimbursement Account (HRA) & Flexible Spending Accounts (FSA)
  • Short- and Long-Term Disability Plan
  • Group Life Insurance
  • 401K Salary Deferral Plan
  • Wellness Program
  • Education & Tuition Expense Reimbursement
  • PTO and Unique Vacation Purchase Program
  • Nationwide Pet Insurance Coverage
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit analysisunderwritingrisk analysisfinancial analysistechnical report writingfinancial modelingportfolio managementloan underwritingcredit administrationpolicy and procedures
Soft Skills
communicationtraining and developmentanalytical thinkingproblem-solvingattention to detailinterpersonal skillssubjectivity assessmentrecommendation makingorganizational skillsexpertise development