Credit Analyst III, Specialty Lending

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

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.