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Job Description

Vice President II, Credit Solutions

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.

Manages lending/credit aspects for assigned client relationships and prospects. Leads the due diligence and deal structuring process and partners with Relationship Management to deliver and negotiate the credit solution. Owns the underwriting, documentation and closing process. Responsible for proactive portfolio management, understanding changing risk profiles of their clients and communicating this information and assessment to key stakeholders (internal and external). Recommends and executes on appropriate steps based on changing circumstances across a range of complex issues. Engages with clients independently, building relationships with the appropriate stakeholders, gathering information and responding to ongoing needs. Provides training to less experienced staff and supports MD/Director in team leadership, including ensuring that resource allocation to their portfolio and to the pipeline is appropriate. Develops insights into loan types and sectors and demonstrates thought leadership.

Leads due diligence, structuring, underwriting and documentation processes independently for complex deals. Able to manage large and complex portfolio with limited oversight. Highly skilled at developing term sheets and deal structures independently and provides expert guidance in the negotiation process with the client. Coaches and mentors less experienced staff members enabling them to show improved efficiency and effectiveness. Independently lead deal modifications as appropriate. Provides insights/thought leadership on deal types as well as guidance on deal structuring, underwriting and documentation negotiations. Able to effectively manage resources to optimize process and outcomes.

Qualifications

Lead the structuring, underwriting and closing of credit solutions for their assigned prospects / portfolio / sector. Responsible for the process end to end including engaging with Relationship Management, clients/prospects, Credit Admin, Legal partners and other internal / external stakeholders to ensure successful outcomes. Manages resources effectively and responsible for doing this at scale/volume.

Manage assigned portfolio of borrowing relationships, reviewing information, evaluating risk, and engaging with clients, building relationships with appropriate stakeholders. Communicate internally to recommend and execute on responses to changing situations for clients / across the portfolio broadly. Ensures that portfolio management practices meet SVB standards.

Support the MD/Director as a leader in team development, including collaboration and coaching of Associates who support the team. (could include acting as manager)

Driving subject matter expertise within the team including market, sector and competitive trends, business models, lending models and making the group more scalable through optimizing how we conduct business and manage the portfolio.

Leads due diligence, structuring, underwriting and documentation processes independently for complex deals. Able to manage large and complex portfolio with limited oversight. Highly skilled at developing term sheets and deal structures independently and provides expert guidance in the negotiation process with the client. Coaches and mentors less experienced staff members enabling them to show improved efficiency and effectiveness. Independently lead deal modifications as appropriate. Provides insights/thought leadership on deal types as well as guidance on deal structuring, underwriting and documentation negotiations. Able to effectively manage resources to optimize process and outcomes

6+ years of related experience. Advanced knowledge of portfolio management practices including expertise in evaluating risk and managing changing situations. Strong structuring and negotiation skills, closing skills and ability to engage and build trust with clients independently. Bachelor's degree or equivalent related experience.

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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 is registered in England and Wales at Alphabeta, 14-18 Finsbury Square, London EC2A 1BR, UK under No. FC029579. Silicon Valley Bank is authorised and regulated by the California Department of Business Oversight and the United States Federal Reserve Bank; authorised by the Prudential Regulation Authority with number 577295; and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.