Credit Analyst III, Specialty Lending

MVB Bank • ,

12d • Remote

About The Position

The Credit Analyst III, Specialty Lending is a senior-level analyst in the Bank’s Credit Analyst group. The role independently underwrites complex credit requests across specialty lending sectors, including litigation financing, fund finance, leveraged lending, life settlements lending, and other specialized industries designated by the Bank. It requires strong analytical expertise and sound credit judgment in transactions with atypical collateral, cash flow, and risk characteristics. The position contributes to credit quality and risk management for the Specialty Lending Group, guides junior analysts, and periodically assists with distinct projects. Candidates may be considered for a higher-level Senior Credit Analyst position based on the depth and breadth of their experience.

The role can be performed remotely, but candidates must reside in West Virginia, Virginia, Texas, Florida, Ohio, Pennsylvania, Maryland, Washington, D.C., New York, New Jersey, Arizona, North Carolina, Georgia, or South Dakota.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• 5–7+ years of progressive credit analysis experience.
• Advanced proficiency in commercial financial statement analysis, cash flow modeling, and credit structuring, with the ability to apply these skills to non-traditional collateral and repayment sources.
• Working knowledge of asset-based lending mechanics, including borrowing base construction, advance rates, eligible collateral criteria, and UCC lien priority.
• Familiarity with accounts receivable financing concepts, including dilution, debtor concentration, and account debtor creditworthiness.
• Understanding of litigation finance fundamentals, including case merit evaluation, counsel and case-management track record, jurisdictional risk, and expected settlement or verdict timelines.
• Understanding of lender financing fundamentals, including loan-to-value and loan-to-cost analysis.
• Sponsor-backed M&A experience and ability to evaluate exit-strategy viability.
• Demonstrated ability to work independently on complex, non-standard credit structures and manage a high-volume workload.
• Excellent written and verbal communication skills, including experience presenting to loan committee.

Nice To Haves

• Direct exposure to specialty, structured, asset-based, or non-traditional lending products, such as litigation finance, fund finance, leveraged lending, life settlements lending, or similar.

Responsibilities

• Independently underwrite and analyze complex specialty lending transactions across designated verticals, including litigation finance, fund financing, leveraged lending, and other specialty industries.
• Evaluate collateral and repayment structures atypical to conventional commercial lending, including legal asset-based receivables, enterprise values, and non-standard real estate or asset collateral.
• Construct and monitor borrowing base calculations, advance rates, and collateral eligibility for asset-based facilities.
• Assess litigation finance-specific risk factors, including case merit, jurisdiction, counsel experience, and anticipated recovery timelines.
• Evaluate sponsor experience, loan-to-value and loan-to-cost metrics, and exit-strategy feasibility for fund finance or highly leveraged transactions.
• Prepare comprehensive credit presentations and risk assessments for review by the Credit Manager, Portfolio Director of Specialty Lending, senior management, and loan committee.
• Evaluate complex financial structures, including multi-entity borrowers, special purpose vehicles, and participation or syndication arrangements common to specialty lending.
• Mentor and provide technical guidance to junior credit staff on specialty underwriting techniques.
• Monitor industry, legal, and regulatory developments affecting specialty lending sectors and incorporate findings into credit analysis.
• Ensure compliance with bank policy, regulatory requirements, and applicable banking laws.

Benefits

• Medical, dental, and vision insurance.
• Health Savings Account (HSA), Health Reimbursement Account (HRA), and Flexible Spending Accounts (FSA).
• Short- and long-term disability plan.
• Group life insurance.
• 401K salary deferral plan.
• Wellness program.
• Education and tuition expense reimbursement.
• PTO and a unique vacation purchase program.
• Nationwide pet insurance coverage.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior