Commercial Analyst and Lender

We’re looking for a motivated Commercial Credit & Portfolio Analyst to join our team and play a key role in evaluating commercial lending opportunities, supporting loan officers, and ensuring safe, sound credit decisions. In this dynamic role, you’ll combine financial analysis, risk assessment, relationship development, and loan operations to help us deliver exceptional service to our commercial and small business members.

If you’re ready for a role that challenges you, supports your growth, and accelerates your path in commercial lending, this is the opportunity for you.

The Commercial Analyst and Lender role combines credit analysis expertise with direct lending responsibilities to support business members in achieving their financial goals. This position is responsible for originating, underwriting, servicing, and processing commercial loans. The role involves evaluating creditworthiness, structuring loan terms, and maintaining compliance with internal policies and regulatory requirements. The Commercial Analyst and Lender will actively develop and manage small commercial member relationships, ensuring exceptional service and sound credit decisions.

This role will primarily perform credit analyst duties while managing loans at or below $150,000.

• Responsible for meeting all established service goals.
• Responsible for supporting commercial loan officers with credit analysis or other duties as assigned.
• Responsible for the review and independent, objective underwriting of business/commercial loans which includes collecting appropriate documentation and creating thorough and concise analyses of the risks and mitigation factors of current and prospective commercial loan relationships, including reviewing and analyzing the borrowers’ and guarantors’ financial statements and preparing debt service coverage analyses and assessments of collateral.
• Compare liquidity, profitability and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic location.
• Attend client calls with commercial loan officers, as necessary, to develop more information on the companies being analyzed and to better assess the risks associated with the credit.
• Prepare, review and issue standard term sheet letters to members.
• Manage credit renewals and maturities via portfolio monitoring. Interact with commercial loan officers to obtain appropriate information to complete a credit analysis.
• Perform annual loan reviews of our existing portfolio to determine continued repayment capacity and potential risks. Create thorough and concise analyses of business and/or personal tax returns and financial statements for all member business loans that meet the required guidelines set within the MBL Commercial Lending Policy.
• Accurately input financial and loan data into Valley’s financial analysis tools. Proficiently evaluate and extract data from the financial analysis of members.
• Originate and structure commercial loan requests under $150,000 in accordance with policy and regulatory guidelines.
• Develop and maintain relationships with small business and commercial members to identify lending opportunities.
• Attend Member Business Loan (MBL) meeting to provide input and recommendations on the financial soundness and condition of business loan requests presented by commercial loan officers.
• Recognize and proactively address risk, including but not limited to, those associated with Bank Secrecy Act, anti-money laundering, fair lending and privacy.
• Consult with members to verify financial and credit transactions.
• Assemble loan files, process loan documents, maintain tickler lists, and board loans to Valley’s core system.
• Responsible for UCC and Title Lien filings and tracking.
• Responsible for preparation of loan perfection documentation and tracking.
• Keep abreast of current trends within the industry to maintaining peer relationships, attending seminars, workshops and reading industry periodicals.
• Understand and comply with all lending policies and procedures for commercial and construction loans.
• Perform any additional duties as assigned.

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