Senior Credit Analyst providing advanced credit analysis and risk assessment for commercial real estate lending. Responsibilities include financial reporting, risk evaluation, and collaboration with relationship managers.
Responsibilities
Analyze commercial real estate credit requests to evaluate borrower creditworthiness, risk rating, loan structure, collateral adequacy, and repayment sources.
Perform comprehensive financial analysis of borrowers and guarantors, including review of financial statements, tax returns, rent rolls, operating statements, and property‑level performance.
Prepare complete and well‑documented credit approval packages for submission to Credit Officers and loan committees, including clear risk assessments and recommendations.
Ensure all credit requests comply with Bank credit policy, underwriting standards, and applicable regulatory requirements.
Assess borrower credit history, management experience, and overall strengths and weaknesses impacting credit decisions.
Partner closely with the team to maintain accurate, current, and regulatory‑compliant credit files; participate in client meetings and property inspections as necessary.
Request, review, and track required borrower financial information and third‑party due diligence materials.
Monitor ongoing financial performance and covenant compliance across the commercial real estate loan portfolio.
Support loan structures, renewals, extensions, modifications, and portfolio management activities.
Participate in loan committee meetings and contribute to credit discussions and risk evaluations.
Provide analytical support for deal screening, transaction due diligence, and financial modeling related to CRE lending activities.
Perform general administrative and documentation duties, including file maintenance, document scanning, data entry, and reporting support.
Requirements
Undergraduate degree
Strong attention to detail and intellectual curiosity
Strong understanding of Microsoft Office including Excel, Word, PowerPoint, Salesforce, etc.
Ability to take ownership of simultaneous assignments and produce results in time-sensitive circumstances
Ability to work collaboratively with members of the deal team and with third party constituencies
Ability to analyze data to support and improve business decisions.
6+ years related experience in commercial banking
Degree with emphasis on finance, accounting, economics, mathematics, or technical field
Interest or experience in commercial real estate finance, development, investing.
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