Credit Risk Manager

Valley Bank; Saint Petersburg (FL); Sur place; USD 65 000 - 95 000; Plein temps

Résumé du poste

Valley Bank is seeking a Credit Risk Analyst to monitor the health of an assigned loan portfolio and support underwriting for new and existing credits with low to moderate complexity. The role focuses on Business Banking C&I clients with annual revenues of $5M–$25M and typical loan sizes under $5M.

You will validate financial statements, collateral, and industry data, and prepare underwriting packages for credit authority. Team collaboration and timely reporting are essential.

Qualifications

• High School diploma or GED required.
• 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 preferred.

Responsabilités

• Monitor portfolio health and compliance with loan covenants and reporting.
• Analyze financial statements, collateral, and industry data to support underwriting decisions.
• Ensure credits are risk rated and properly monitored and reported.
• Prepare quarterly portfolio analysis and credit presentations for approval.
• Underwrite new transactions and renewals; participate in client and internal discussions.
• Perform due diligence and present credit requests to authority levels.

Connaissances

Credit underwriting

Financial analysis

Interpersonal skills

Time management

Mathematical skills

Report writing

Presentation skills

Verbal/written communication

Formation

High School diploma or GED

Bachelor’s degree (preferred)

Outils

Microsoft Excel

Microsoft Word

Microsoft Outlook

Credit software

Description du poste

The Credit Risk Analyst is responsible for monitoring on a timely basis the ongoing financial health of an assigned loan portfolio and/or collaborating with other Credit team members with requisite portfolio management tasks. The role is also responsible for underwriting or collaborating on underwriting activities related to new and existing credit transactions with low to moderate complexity including annual reviews, client diligence, and the required analysis and preparation of the underwriting package.

This role focuses on underwriting and managing the portfolio of Business Banking Commercial and Industrial (C&I) clients that have annual revenues of $5 million- $25 million. Our average loan size is under $5 million.

Responsibilities Include But Are Not Limited To

• 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.

Required Skills

• 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.
• 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 3 years of experience in a commercial lending environment in a credit-oriented and underwriting position.

Preferred Experience

• Bachelor's degree and completion of a formal credit training program.