ABOUT US
Here at MVB, our company culture defines the environment in which Team Members
thrive. Our culture impacts a wide range of elements, including our purpose,
values, expectations and goals that support growth and engagement – it is the
secret sauce of our organization!
Our values live at the core of all that we do – Trust, Commitment, Teamwork,
Adaptive, Respect, Love and Caring are our foundation for success.
MVB Financial Corp. (“MVB Financial” or “MVB”), the innovative financial holding
company of MVB Bank, Inc., is publicly traded on The Nasdaq Capital Market®
under the ticker “MVBF.” Through its subsidiary, MVB Bank, Inc., (“MVB Bank”)
and the bank’s subsidiaries, MVB provides services to individuals and corporate
clients in the Mid-Atlantic region, as well as to Fintech, Payment and Gaming
clients throughout the United States. For more information about MVB, please
visit www.mvbbanking.com [http://www.mvbbanking.com].
This role can be based remotely.
Candidates must reside in one of the following states: West Virginia, Virginia,
Texas, Florida, Ohio, Pennsylvania, Maryland, Washington D.C., New York, New
Jersey, Arizona, North Carolina, Georgia, or South Dakota.
ABOUT THE ROLE
The Credit Analyst III, Specialty Lending position is a senior-level analyst
embedded within the Bank's Credit Analyst group, responsible for independently
underwriting 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. This role requires
strong analytical expertise and sound credit judgment given the atypical
collateral, cash flow, and risk characteristics common to specialty lending
transactions, and contributes to the overall credit quality and risk management
framework of the Specialty Lending Group while providing guidance to junior
analysts and periodically assisting with distinct projects.
MVB’s Credit Team may consider candidates for a higher-level position (Senior
Credit Analyst) based on the depth and breadth of their experience.
WHAT YOU’LL DO
Independently underwrite and analyze complex specialty lending transactions
across designated verticals (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/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.
EDUCATION & WORK EXPERIENCE
Bachelor's Degree in Finance, Accounting, Economics, or a related field.
5-7+ years of progressive credit analysis experience required; direct
exposure to specialty, structured, asset-based, or non-traditional lending
products (litigation finance, fund finance, leveraged lending, life
settlements lending or similar) strongly preferred.
Advanced proficiency in commercial financial statement analysis, cash flow
modeling, and credit structuring, with demonstrated 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 such as
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/verdict timelines; understanding of lender financing
fundamentals, including loan-to-value/loan-to-cost analysis
Sponsor-backed M&A experience, and 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.
BENEFITS AT MVB
MVB Financial Corp., (“MVB”) offers an excellent selection of benefits for
regular, part-time and full-time Team Members, including:
Medical, Dental and Vision Insurance
Health Savings Account (HSA), Health Reimbursement Account (HRA) & Flexible
Spending Accounts (FSA)
Short- and Long-Term Disability Plan
Group Life Insurance
401K Salary Deferral Plan
Wellness Program
Education & Tuition Expense Reimbursement
PTO and Unique Vacation Purchase Program
Nationwide Pet Insurance Coverage
#LI-Remote
We encourage you to submit an application even if you haven’t performed every
job duty listed above, as your skills may be transferrable. MVB is looking for
ambitious individuals with related knowledge, understanding and abilities who
are willing to learn and grow. What we care about most is allowing you to
develop and, in return, you help us become a stronger, more diverse and
well-rounded organization.