Silicon Valley Bank
Credit Administration, Associate II (Finance)
Summary/Objective
The Loan Administration group manages or contributes to the management of credit approvals, loan underwriting, credit quality, portfolio reviews, loan strategy, credit policy, controls and risk assessment, and other credit related activities. This AII job is a newly created position to support the Loan Administration team with these activities. The Associate will assist with: loan approval processes; the maintenance and preparation of underwriting job aids; the creation and maintenance of portfolio review procedures and processes; analysis of loan portfolio trends and credit quality metrics; preparation of portfolio reports for internal and external reporting purposes; analysis of new and other loan booking activity; and support for controls and other risk assessment measures.
Essential Functions
% of Time
Loan approval - analysis of loan approval trends and metrics
20%
Portfolio review - maintenance of portfolio review procedures and processes, analysis of portfolio risk metrics and key results,
30%
Loan underwriting and strategy - creation and maintenance of guidance, job aids, and strategy materials
10%
Reporting - analysis and preparation of loan portfolio trends, credit quality results, sector insights, and other performance against key controls.
35%
Preparation of training material
5%
Decisions
Utilizes analytical skills, decision making and independent judgement in analysis of loan approval and portfolio performance trends.
Utilizes credit knowledge in identification of procedure updates and maintenance and in identification and implementation of process improvements.
Recommendations
Provides recommendations for portfolio reporting content and trend identification and for portfolio review procedural changes.
Knowledge
Strong knowledge of credit, credit solutions, credit underwriting, loan systems, credit policy, operations, and relationship management.
Skills
Analytical, communication, and presentation skills.
Ability to determine process improvements.
Understanding of client perspective.
Ability to lead simultaneous assignments and produce results in time-sensitive circumstances.
Ability to take ownership of and drive processes, but also knows when to escalate or engage others.
Works collaboratively with internal and external partners
Skilled at analyzing data to support and improve business decisions.
Competencies
Analytical
Collaboration
Attention to detail
Initiative
Communication Proficiency
Proactive
Required Education and Experience
Bachelor's degree or equivalent related experience
2 or more years of related experience.
Preferred Education and Experience
ADP graduate, Credit Solutions experience
Certifications
None
Travel
Travel may be occasionally required
Physical Demands
The employee must have the ability to use a computer keyboard, mouse, calculator, copier/fax machine, scanner and telephone. While performing the duties of this job, the employee is regularly required to talk and hear. Employee must have close visual acuity to perform an activity such as: reviewing and analyzing information; transcribing; and/or viewing a computer screen. Employee may be required to make quick decisions as to when to escalate or directly address a situation, as well as handle the stress of such situations. The work environment is indoors with a majority of time spent sitting at a desk.
Disclaimer
The information contained herein is not intended to be an all-inclusive list of the duties and responsibilities of the job, nor are they intended to be an all-inclusive list of the skills and abilities required to do the job. This job description is intended to indicate the general nature and level of work to be performed. Duties, responsibilities and activities may change at any time with or without notice. This job description does not constitute a contract of employment and, therefore, the company may exercise its employment-at-will rights at any time.