Associate I, Credit Solutions

Join us at SVB and be part of bringing our clients’ world-changing ideas to life. At SVB, we have the opportunity to grow and collectively make an impact by supporting the innovative clients and communities SVB serves. We pride ourselves in having both a diverse client roster and an equally diverse and inclusive organization. And we work diligently to encourage all with different ways of thinking, different ways of working, and especially those traditionally underrepresented in technology and financial services, to apply. BE PART OF A BANK LIKE NO OTHER. When you work with the world's most innovative companies, you know you're making a difference. Our clients are the game changers, leaders and investors who fuel the global innovation economy. They're the businesses behind the next medical breakthroughs. And the visionaries whose new technologies could transform the way people live and work. They come to SVB for our expertise, deep network and nearly forty years of experience in the industries we serve, and to partner with diverse teams of passionate, enterprising SVBers, dedicated to an inclusive approach to helping them grow and succeed at every stage of their business. Join us at SVB and be part of bringing our clients' world-changing ideas to life. At SVB, we have the opportunity to grow and collectively make an impact by supporting the innovative clients and communities SVB serves. We pride ourselves in having both a diverse client roster and an equally diverse and inclusive organization. And we work diligently to encourage all with different ways of thinking, different ways of working, and especially those traditionally underrepresented in technology and financial services, to apply. Job Description: Overall Objectives: The Credit Solutions group manages lending/credit for a wide range of credit relationships. Leads the due diligence process and deal structuring process. Partners with the Relationship Management Team for the delivery and negotiation of credit solutions. Owns the underwriting, approval and closing process. Responsible for proactive portfolio management, including maintaining credit quality and profitability targets. Remains abreast of market, sector and competitive trends. Engages and builds relationships with key client stakeholders to remain well-informed, and able to respond to changing circumstances while appropriately balancing client and SVB needs. Develops and delivers insights and points of view on loan types and credit/performance trends in sectors/sub-sectors. Job Skill Level Conducts due diligence on new opportunities. Aids in Underwriting for new loans, renewals, and credit actions related to modifications or changing risk. Supports overall lending process on new deals and modifications to existing deals, from underwriting through documentation and closing. Reviews internal and external information and communicates with internal clients regarding our clients' compliance status, changing level of risk and broader trends in portfolio. Utilizes critical thinking skills in supporting A2/VP’s and Directors/MD’s on actions pertaining to pipeline and portfolio management. Helps to complete underwriting and portfolio management with practices that meet SVB policies/procedures in terms of timeliness, completeness, consistency and accuracy. Handles client needs by interacting with appropriate internal and external stakeholders. Develops expertise in SVB’s loan types and markets. Job Complexity Helps to complete underwriting for credits and prospects with increasing levels of complexity based on experience. Reviews information and prepares other credit actions and action plans based on changing situations/risk. With guidance from the Director/MD or Vice President, contacts established clients and may become responsible for all lending aspects related to a small group of client relationships. Responsible for building increasing levels of expertise and sharing that with colleagues. Primary Duties CT underwriting, including diligence on information, support in structuring the deal, overall credit approval package preparation and closing (documentation and booking). Support proactive portfolio management by reviewing financial and other information (both externally and internally prepared) to properly assess client situations and risk. Participate in client meetings as appropriate to gather and understand information to be able to effectively communicate it to key stakeholders. Ensure proper documentation of our findings and recommended actions through Action Plans, CRR updates, Variances, reporting to partners in Relationship Banking and Credit Administration, and other parts of the bank as needed. Ongoing client support associated with the loan-focused needs of the client, including communicating with internal partners and delivering for clients. Provide information in support of the development of loan type / business model / sector focused insights. Deliver on responsibilities with increasing scale and efficiency, participating in initiatives designed to drive further consistency and scale where appropriate. Requirement Bachelors degree Understanding of basic lending principals Base Pay: $72,689.00 - $87,550.00 Actual starting base pay will be determined on skills, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, benefits, and/or other perks, as outlined in any formal offer made. SVB benefit programs are designed to meet our employees where they are in life. SVBers may enroll in core benefits programs, plus take advantage of customized perks and offerings, including those designed to support families, however defined. More information regarding our benefits offerings can be found here. © 2022 SVB Financial Group. All rights reserved. SVB, SVB FINANCIAL GROUP, SILICON VALLEY BANK, MAKE NEXT HAPPEN NOW and the chevron device are trademarks of SVB Financial Group, used under license. Silicon Valley Bank is a member of the FDIC and the Federal Reserve System. Silicon Valley Bank is the California bank subsidiary of SVB Financial Group (Nasdaq: SIVB). Equal Employment Opportunity Silicon Valley Bank is an equal opportunity employer and is dedicated to expanding its commitments and investments to create a more diverse, equitable and inclusive company culture and innovation ecosystem. We are strongly committed to the values and policy of equal employment opportunity across our employment practices. Silicon Valley Bank UK Limited is registered in England and Wales at Alphabeta, 14-18 Finsbury Square, London EC2A 1BR, UK (Company Number 12546585). Silicon Valley Bank UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Firm Reference Number 543146). Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

Salary : $72,689 - $87,550