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Qualified candidates will have a proven ability to evaluate and determine the credit risks of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service, while providing insight and assessments as to the credit worthiness of Borrowers. Under the direction of the Credit Officer, the Senior Credit Analyst will work collaboratively and independently to support the loan origination and portfolio review initiatives of the Lending Department.

JOB SUMMARYNew Valley is seeking a talented and ambitious professional willing and able to contribute to the success of the Bank. Under the direction of the Credit Officer, the Senior Credit Analyst will work collaboratively and independently to support the loan origination and portfolio review initiatives of the Lending Department. Qualified candidates will have a proven ability to evaluate and determine the credit risks of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service, while providing insight and assessments as to the credit worthiness of Borrowers. The position is a hybrid role, with scheduled remote work days allowed after the initial 90 days of employment. ESSENTIAL FUNCTIONS<ul><li style="line-height:normal;vertical-align:baseline">The role expectations require an independent and seasoned commercial credit analyst with several years of experience in credit underwriting and analysis, for both CRE and C&I customers. The candidate should be able to produce credit reviews and presentations for new and existing Customers with minimal training and guidance, while meeting deadlines for completion. </li><li style="line-height:normal;vertical-align:baseline">Perform detailed and insightful credit analysis for use in the lending decision of new credit approvals and renewals, while assigning a risk rating and providing an independent recommendation to officers.</li><li style="line-height:normal;vertical-align:baseline">Work with Lenders and Portfolio Managers to complete underwriting assignments and tasks. </li><li style="line-height:normal;vertical-align:baseline">Utilize Abrigo Sageworks to create financial summaries, credit presentations, and other reports, while accurately maintaining the Bank's customer and financial database. </li><li style="line-height:normal;vertical-align:baseline">Maintain reports and tracking metrics for the Bank Portfolio and Borrowers, as needed. </li></ul><ul><li style="line-height:normal;vertical-align:baseline">Monitors policy compliance by verifying adherence to the Commercial Credit policies</li></ul><ul><li style="line-height:normal;vertical-align:baseline">Provide mentorship and guidance for junior analysts and other team members. </li><li style="line-height:normal;vertical-align:baseline">Adheres to applicable compliance/operational risk controls in accordance with regulatory standards and policies </li></ul><ul><li style="line-height:normal;vertical-align:baseline">Maintains New Valley control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. </li><li style="line-height:normal;vertical-align:baseline">Completes other related duties as assigned including customer onboarding and systems related maintenance.</li></ul> New Valley Bank and Trust employees must follow all policies and procedures related to their position and any laws, rules or compliance regulations that apply in the accomplishment of their assigned duties, while also using good judgment and ethical standards.QUALIFICATIONSEducation <ul><li style="text-align:justify;line-height:normal;vertical-align:baseline">Minimum of 3 years' experience in commercial credit or public accounting, preferred</li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Bachelor's degree in Accounting, Finance, Business, or related field preferred </li></ul>Skills and Experience <ul><li style="text-align:justify;line-height:normal;vertical-align:baseline">Commercial Underwriting Expertise and knowledge</li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Working knowledge of related Underwriting software programs</li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Strong analytical skills with high attention to detail and accuracy </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Excellent organizational, verbal and written communication, and computer skills </li></ul>

New Valley Bank & Trust

Senior Commercial Loan Credit Analyst

Accounting

Analysis Skills

Cash Flow Projection

Commercial Loans

Communication Skills

Computer Skills

Credit Analysis

Credit Risk

Detail Oriented

External Audit

Finance

Financial Analysis

Internal Audit

Investment Management

Loan Origination

Loan Portfolio

Loan Structuring

Loans

Maintain Compliance

Mentoring

Metrics

Onboarding

Organizational Skills

Presentation/Verbal Skills

Public Accounting

Regulations

Risk

Risk Management

Systems Maintenance

Time Management

Underwriting

Writing Skills

Talent Acquisition

Works with Loan Officer on New Loan requests including but not limited to an initial financial analysis and obtaining a complete financial package to prepare, summarize, presents facts, and offers opinions concerning credit worthiness of commercial customers; reviews and analyzes criteria to assign an overall risk to credit. Qualified candidates will have seasoned credit underwriting background with a proven ability to evaluate and determine the credit risks of commercial clients and appropriate structure of loan requests through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.

JOB SUMMARYNew Valley is seeking a talented, ambitious professional willing and able to contribute to the success of our new bank. Under the direction of the VP Credit Officer, the Credit Analyst will work collaboratively to support the loan origination and ongoing monitoring initiatives of the Lending Department. This is an entry-level client relationship management position. Qualified candidates will have seasoned credit underwriting background with a proven ability to evaluate and determine the credit risks of commercial clients and appropriate structure of loan requests through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. ESSENTIAL KEY FUNCTIONS<ul><li style="text-align:justify;line-height:normal;vertical-align:baseline">Analytical skills Problem-solving skills Judgement skills Ability to prioritize work in a fast-paced high-volume environment while maintaining accuracy and turn-around times. Ability to stay focused </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Works with Loan Officer on New Loan requests including but not limited to an initial financial analysis and obtaining a complete financial package to prepare, summarize, presents facts, and offers opinions concerning credit worthiness of commercial customers; reviews and analyzes criteria to assign an overall risk to credit. Develops credit analyses for use by lending officers or committees in the making of lending decisions on new credit approvals and renewals</li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Essential Functions Coordinate with Loan Officers to assist in collection of financial information from portfolio customers. </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Analyzes and reviews data on new loans as well as portfolio loans, reviews for signs of credit issues </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Monitors annual review/renewal process including file comments and loan presentations for assigned credit requests. </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Maintains and tracks, and reports on Banks policy exceptions.</li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Assists in timely complete of Annual Reviews throughout the portfolio, including working with Loan Servicing to update existing NOIs, and DSCR upon review. </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Communicates with customers to request and track the receipt of required financial information to be completed in tandem with Lenders, Portfolio Managers and Credit Analysts balanced with prioritizing new money transactions. </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Submits appraisal order requests and bids. Submits Flood Determination requests and follows through with proper procedures when property is located in a flood zone. </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Orders environmental reports and submits to Loan Officer for review. Completes compliance review including but not limited to, CRA, Government Monitoring, and Joint Credit.</li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Assist in taking Directors Loan Committee meeting minutes. </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Must complete BSA, AML, and other regulatory and continuing education as assigned. Must adhere to all bank and regulatory policies and procedures specific to position. Position Qualifications Assumes additional responsibilities as requested. </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Monitors and tracks for financial statements received from existing borrowers, and scans or saves electronically to files with appropriate naming conventions. </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Adheres to applicable compliance/operational risk controls in accordance with regulatory standards and policies </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Maintains New Valley control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. </li><li style="text-align:justify;line-height:normal;vertical-align:baseline">Completes other related duties as assigned including customer onboarding and systems related maintenance. Additional tasks include reporting to the Federal Reserve via the Main Street Lending platform program.</li></ul> EQUAL EMPLOYMENT OPPORTUNITY EMPLOYERNew Valley Bank and Trust is committed to diversity and inclusion. We recruit and employ the best qualified individuals without regard to race, religion, color, sex (including pregnancy, gender identity, and sexual orientation), parental status, national origin, age, disability, family medical history or genetic information, political affiliation, military service, or other non-merit-based factors. Equal employment opportunity applies to all personnel actions. QUALIFICATIONS  Education <ul><li>Minimum of 3 years' experience in commercial credit or public accounting, preferred</li><li>Bachelor's degree in Accounting, Finance, Business, or related field preferred</li></ul>Skills and Experience <ul><li>Strong knowledge commercial loan documentation; working knowledge of banking laws and regulations, relating to the documentation and servicing of loans </li><li>Excellent organizational, verbal, and written communication, and computer skills, including proficiency in Microsoft Word and Excel </li><li>Excellent customer service skills with a high degree of professionalism and positive demeanor </li><li>Strong organizational skills with the ability to prioritize a multitude of assignments </li><li>Excellent oral and written communication skills </li></ul> Physical Requirements <ul><li> Ability to stand or sit for extended periods </li><li> Ability to communicate clearly and concisely </li></ul> Other Duties Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of this position. Duties, responsibilities, and activities may change at any time without notice. Post-Offer Background check performed. Includes credit, criminal and reference checks.

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Senior Commercial Loan Credit Analyst New Valley Bank & Trust

Commercial Loan Credit Analyst New Valley Bank & Trust

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