Credit Analyst III, Specialty Lending

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MVB Financial Corp. (“MVB Financial” or “MVB”), the innovative financial holding company of MVB Bank, Inc., Through its subsidiary, MVB Bank, Inc., (“MVB Bank”) and the bank’s subsidiaries, MVB provides services to individuals and corporate clients in the Mid-Atlantic region, as well as to Fintech, Payment and Gaming clients throughout the United States. This role can be based remotely.

The Credit Analyst III, Specialty Lending position is a senior‑level analyst embedded within the Bank's Credit Analyst group, responsible for independently underwriting complex credit requests across specialty lending sectors, including litigation financing, fund finance, leveraged lending, life settlements lending, and other specialized industries designated by the Bank. This role requires strong analytical expertise and sound credit judgment given the atypical collateral, cash flow, and risk characteristics common to specialty lending transactions, and contributes to the overall credit quality and risk management framework of the Specialty Lending Group while providing guidance to junior analysts and periodically assisting with distinct projects.

MVB's Credit Team may consider candidates for a higher‑level position (Senior Credit Analyst) based on the depth and breadth of their experience.

• Independently underwrite and analyze complex specialty lending transactions across designated verticals (litigation finance, fund financing, leveraged lending, and other specialty industries).
• Evaluate collateral and repayment structures atypical to conventional commercial lending, including legal asset‑based receivables, enterprise values, and non‑standard real estate or asset collateral.
• Construct and monitor borrowing base calculations, advance rates, and collateral eligibility for asset‑based facilities.
• Assess litigation finance‑specific risk factors, including case merit, jurisdiction, counsel experience, and anticipated recovery timelines.
• Evaluate sponsor experience, loan‑to‑value/loan‑to‑cost metrics, and exit‑strategy feasibility for fund finance or highly leveraged transactions.
• Prepare comprehensive credit presentations and risk assessments for review by the Credit Manager, Portfolio Director of Specialty Lending, senior management, and loan committee.
• Evaluate complex financial structures, including multi‑entity borrowers, special purpose vehicles, and participation or syndication arrangements common to specialty lending.
• Mentor and provide technical guidance to junior credit staff on specialty underwriting techniques.
• Monitor industry, legal, and regulatory developments affecting specialty lending sectors and incorporate findings into credit analysis; ensure compliance with bank policy, regulatory requirements, and applicable banking laws.

• Bachelor's Degree in Finance, Accounting, Economics, or a related field.
• 5-7+ years of progressive credit analysis experience required; direct exposure to specialty, structured, asset‑based, or non‑traditional lending products (litigation finance, fund finance, leveraged lending, life settlements lending or similar) strongly preferred.
• Advanced proficiency in commercial financial statement analysis, cash flow modeling, and credit structuring, with demonstrated ability to apply these skills to non‑traditional collateral and repayment sources.
• Working knowledge of asset‑based lending mechanics, including borrowing base construction, advance rates, eligible collateral criteria, and UCC lien priority; familiarity with accounts receivable financing concepts such as dilution, debtor concentration,…