Commercial Credit Associate - Palo Alto, CA

Valley National Bank
United States, California, Palo Alto
2000 University Avenue (Show on map)
Jan 01, 2026
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.