Credit Analyst III, Specialty Lending

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MVB Financial Corp. (“MVB Financial” or “MVB”), the innovative financial holding company of MVB Bank, Inc., 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. This role can be based remotely.
The Credit Analyst III, Specialty Lending position is a senior-level analyst embedded within the Banks 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.
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
Bachelors 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
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
Education & Tuition Expense Reimbursement
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. 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.