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Credit Risk Team Lead (SBA 7a)
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<sdf-icon _ngcontent-ng-c4503598582405439=”” icon=”location” class=”text-action-primary hydrated” aria-hidden=”true” role=”presentation”></sdf-icon> Tampa, Florida, United States
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Job Overview
At Valley Bank, we believe in people’s growth potential. We invest in it. We protect it. We focus it. For nearly 100 years, we’ve been the Bank that clients from every industry turn to for our expertise, strategies, and advice-building the kind of trust that can fuel every goal. We are the leading relationship bank built for growth-with over $60 billion in assets, 3,800 experts, and more than 200 consumer branches and commercial banking offices in communities across the US.
At Valley, we’re all driven by an ambition that goes deeper than just having a job. That’s why when you work for us, we make it our goal to help you focus on what drives you-working to turn your passions and strengths into assets you can use to propel your ambitions and build the professional legacy you want. Because when we say we’re a relationship bank built for growth, that’s not just reserved for our clients-that includes all our associates as well.
The Credit Risk Team Lead is responsible for all underwriting activities related to new and existing credit transactions with moderate to higher complexity including client diligence, structuring, and the required analysis and preparation of the underwriting package. They will also manage a team, focused on SBA 7a lending.
#LI-PR1
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Job Description
Responsibilities include, but are not limited to:
- Proactively communicates with Loan Officers and assigned Credit Portfolio Managers during the underwriting, approval and portfolio management processes.
- Review and circulate credit packages and modifications for approval. Ensure packages are updated as required by approvers.
- Underwrite complex new loan requests and modifications.
- Coordinate with the assigned Commercial Loan Officers, Loan Officer Assistants and Direct Reports all activities required to complete a credit package.
- Completes performance evaluations, reviews and approves timecards and all other manager related activities for his/her direct reports.
- Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority.
- Obtain, and monitor various loan portfolio reports such as Maturing Loans, Past-Due Loans, Annual Reviews and proactively assist lenders with requisite action plans.
- Assure that credits are accurately risk rated and credits are properly monitored and reported.
- Adhere and comply with all requirements of Regulation B Adverse Action Procedures — Florida Division.
- Create and maintain current BSA Information.
- Adhere and comply with all requirements of watch list and EDD procedures.
- Manage and track covenants, borrowing bases, A-R Ageing, etc. for their accounts.
- Assist in preparation of quarterly CLMR reports.
- Advise Lenders on all matters related to the Bank’s Credit Policy and related Procedures/Forms.
- As time allows conduct annual site visits, attend loan closings and other tasks required to support assigned lenders.
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Requirements
Required Skills:
- Knowledge of credit underwriting, accounting and loan documentation with the ability to.
- Ability to effectively communicate credit concerns and formulate alternate loan structures to customers, business unit team leaders, department heads and senior management.
- Proficient computer skills using Microsoft Word, Excel and Outlook.
- Strong level of interpersonal and social skills needed to interact with loan officers, administrative staff and customers.
- Strong personal time management skills.
- Strong mathematical skills.
- Strong credit skills.
- Strong administrative skills.
- Ability to write reports and business correspondence.
- Ability to effectively present information and respond to questions.
- High School Diploma or GED and a minimum of seven years of experience in a commercial lending environment in a credit-oriented and underwriting position.
- Bachelor’s degree, completion of a formal credit training program, and prior supervisory experience is preferred.
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Location(s).
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1902 Avenida de Cuba, Tampa, Florida 33605, United States
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Total Rewards Summary
We provide a comprehensive and competitive total rewards package including base salary determined by factors such as the role, relevant experience, skill set, and geographical location. Eligible positions may also be eligible to receive commission-based compensation and/or discretionary incentive compensation, which may be awarded as cash or forfeitable equity, recognizing individual performance and contributions.
In addition to financial compensation, we offer a robust suite of benefits tailored to meet diverse employee needs based on eligibility criteria. These include comprehensive health care and insurance plans, retirement savings options, tuition and adoption reimbursement programs, paid time off, mental health support, and other valuable benefits programs. Further details regarding total compensation and benefits will be shared during the hiring process.
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Job Details
Pay Range <sdf-tooltip _ngcontent-ng-c4503598582405439=”” attachmentpoint=”right”><sdf-icon _ngcontent-ng-c4503598582405439=”” slot=”tooltip-target” icon=”action-help” class=”left-sm-spacer hydrated” aria-hidden=”true” role=”presentation”></sdf-icon>Pay Range The estimated pay range for this job. Disclosing pay information promotes competitive and equitable pay.
The actual pay rate will depend on the person’s qualifications and experience.
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$110,600.00 – $195,700.00 / year </cx-job-details-section>
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Pay Transparency
In order to support the Fair Compensation Strategy by the US Govt., HR Dept., clients are required to adhere to “Pay Transparency Law”; in the impacted states; that have mandated the employers to list the salary ranges in Job advertisements or postings for job opportunities and Job promotions.
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Valley National Bank is an Equal Opportunity / Affirmative Action Employer. All qualified applicants are encouraged to apply, and will be considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or other legally protected characteristics, and will not be discriminated against on the basis of disability.