New

Commercial Credit Associate - Palo Alto, CA

Valley National Bank
$48,200.00 - $80,400.00 / yr
paid time off
United States, California, Palo Alto
2000 University Avenue (Show on map)
Dec 16, 2025
Back Commercial Credit Associate #25-1270 Multiple Locations Apply X Facebook LinkedIn Email Copy Expected Work Hours 40 Job 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. Requirements Required Skills: 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. Required Experience: Bachelor's Degree in a related discipline preferably in Business, Accounting, or Finance. 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. Full-time/Part-time Full-time FLSA Non-exempt Location(s). 350 Madison Ave, New York , New York 10017 , United States 2000 University Ave Suite 605, Palo Alto , California 94303 , United States 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. Job Details Pay Range 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. $48,200.00 - $80,400.00 / year 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.