Commercial Credit Associate Job Listing at Valley Bank in Palo Alto, CA (Job ID 25-1270)

Description

Responsibilities include but are not limited to:

• Participates in credit training classes with proficiency evaluated through graded case work and testing. Training requirements, assigned tasks, and performance expectations must be met to proceed in the program.
• Prepares basic credit packages including credit analysis for extensions, modifications, and renewals of existing loan facilities and new loan requests.
• Spreads business financial statements using the Baker Hill/One Point system.
  Analyzes a company's operating performance and financial condition to understand business trends and to identify credit risks.
• Conducts cash flow analysis to evaluate loan repayment ability.
• Spreads and analyzes personal financial statements to evaluate personal liquidity, personal debt levels, and contingencies.
• Assesses collateral coverage.
• Performs industry/market analysis to identify industry trends and risks.
• Prepares loan offering and related forms for the credit package.
• Identifies and reports credit policy and underwriting experience.
• Completes underwriting requests within expected timeframes to meet assignment deadlines.
• Understands credit policies and is able to follow department procedures.