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Valley Bank · 9 hours ago

Commercial Credit Associate

Palo Alto, CA

Full-time

Onsite

New Grad, Entry Level

Valley Bank is seeking a Commercial Credit Associate to participate in credit training and prepare credit packages. The role involves analyzing financial statements, conducting cash flow analysis, and assessing credit risks.

Banking

H1B Sponsor Likely

Responsibilities

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

Qualification

Credit analysisFinancial statement analysisCash flow analysisMicrosoft ExcelMicrosoft WordAnalytical abilitiesBasic math skillsCustomer relationship managementProblem solvingOrganizational skillsCommunication skillsAttention to detail

Required

Prepares basic credit packages including credit analysis for extensions, modifications, and renewals of existing loan facilities and new loan requests

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

Strong analytical abilities and problem solving skills

Strong organizational skills with attention to detail

Excellent communication skills; express ideas and convey technical information in writing and verbally

Proficient in Microsoft Word and Excel and performing internet searches

Basic math skills including the ability to compute ratios

Ability to work in a fast paced environment and move quickly through assignments to ensure deadlines are met

Ability to work effectively with individuals and groups to manage internal and external customer relationships

Ability to read, interpret, and comprehend policies, procedures, and training materials

Bachelor's Degree in a related discipline preferably in Business, Accounting, or Finance

Preferred

Completion of at least two college level accounting classes and one college level finance class preferred

Minimum 3.0 GPA preferred

Completion of a business related internship preferred

Company

Valley Bank

Glassdoor3.2

Valley National Bank is a regional financial institution

Founded in 1927

Wayne, New Jersey, USA

1001-5000 employees

https://www.valley.com/

H1B Sponsorship

Valley Bank has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (15)

2024 (13)

2023 (7)

2022 (11)

2021 (5)

2020 (5)