JOB LEVEL: assists in the underwriting of credits by spreading and analyzing financial statements. Prepares the underwriting documents for credits. Facilitates the booking process. Assures credit files comply with SVB policies and procedures. Assists Relationship Manager with client inquiries.
JOB COMPLEXITY: able to handle a variety of routine credit documentation requirements. Reviews noncompliance and past due status for assigned accounts. Contacts client to resolve routine compliance related questions.
SUPERVISION: Works under direction of the Relationship Manager and Senior Relationship Manager.
EXPERIENCE: 0-2 years’ experience. Basic credit analysis and accounting skills
EDUCATION: Bachelor’s degree or equivalent experience
Our SVB Wine Division is an industry leader in financing both wineries and grape growers in California, Oregon and Washington. The 30 people in the Division represent the largest group of finance professionals who are exclusively focused on the wine industry. Over the past dozen years, SVB has developed hundreds of relationships with premium wine companies and remains a well-respected advisor in the wine industry due to our deep focus on the industry and longstanding track record. . SVB maintains its focus on the industry with offices in Napa country (St. Helena) and Sonoma County (Santa Rosa.).
Associates assist loan teams in the analysis and underwriting of credits by spreading and analyzing financial statements for trends. They prepare the underwriting documents for credit, facilitate the booking process, and assure credit files comply with SVB policies and procedures. Associates will work with Relationship Managers as well as contacting clients directly to resolve compliance related questions and inquiries. Associates handle a variety of routine credit documentation requirements in addition to reviewing noncompliance and past due status for assigned accounts. They will also review financial information, collateral and other assets to assess portfolio risk and profitability. Associates prepare bi-weekly cash reports and monthly covenant compliance reports for review by the lending team.
The Associate job is generally a developmental position for career development as a banker with full relationship management responsibilities.