Senior SBA Underwriter

Valley National Bank; Tampa (FL); On-site; USD 95,000 - 140,000; Full time

Job summary

Valley National Bank in Tampa, FL is seeking a Senior Credit/portfolio manager to oversee a assigned loan portfolio, monitor financial health, and coordinate with business teams on reporting. You will underwrite and structure new transactions and renewals, lead client meetings with senior management, review credit packages, and guide junior team members through due diligence and closing.

The role emphasizes risk mitigation, compliance with credit policy, and delivery of timely portfolio reports

Responsibilities

• Monitor financial health of the loan portfolio and report to the business team.
• Underwrite and structure new transactions, renewals, extensions, and amendments.
• Lead external client meetings and internal deal discussions with senior management; outline risks.
• Review credit packages and provide guidance to junior team members.
• Perform due diligence and prepare credit presentations; oversee closing process.
• Approve transactions within lending authority when applicable.
• Maintain dashboards and ensure compliance with loan terms and reporting.
• Validate reports and monitor risk ratings and collateral.
• Prepare quarterly portfolio reports including monitoring and analysis.
• Participate in special projects related to portfolio management.

Skills

Credit analysis

Underwriting

Risk assessment

Client relationship management

Financial statements review

Mentorship

Portfolio monitoring

Credit policy knowledge

Job description

Responsibilities

• 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.