Martina Stepanova

About Martina Stepanova

With over 15 years of banking experience, I bring a well-rounded foundation across both retail and commercial platforms. I spent the first 12 years in retail banking, where I drove sustained growth, performance, and results through strategic sales leadership, relationship management, and team development. Over the past four years, I transitioned into commercial banking, developing strong expertise in commercial real estate and C&I lending. This transition broadened my industry knowledge and strengthened my portfolio management, underwriting, and credit analysis capabilities.

Experience

1. Commercial Portfolio Manager Ii

   Valley Bank

   Sep 2024 — Present · Morristown, NJ, US

   Manage loan portfolios, including ongoing diligence analysis and periodic reviews.• Underwrite new and existing loan requests by gathering information, analyzing financial and collateral data, and preparing recommendations.• Service troubled loans, identify risks, and implement corrective actions to support client relationships.• Utilize multiple internal systems to maintain credit files, complete reporting, and ensure regulatory compliance.• Oversee multiple projects simultaneously, supporting business development, process improvements, and risk management initiatives.

Education

• University of Pittsburgh

  Bachelors of Science, Business Administration - Marketing and Finance

Skills

• Loan Origination
• Consumer Lending
• Management
• Banking
• Business Relationship Management
• Retail Banking
• Financial Analysis
• Credit Cards
• Return on Investment
• Relationship Management
• Credit
• Investments
• Lines of Credit
• Loans
• Finance
• Sales
• Deposits
• Customer Retention
• Customer Service
• Credit Analysis
• Refinance
• Consultative Selling
• Leadership
• Cross Selling
• Financial Services
• Small Business Lending
• Credit Risk