Hybrid Senior Credit Analyst

Posted 1 hour ago

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About the role

  • 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.

Benefits

  • Competitive compensation
  • Medical, dental, vision insurance
  • Life insurance
  • Long term disability insurance
  • 401k with matching
  • Paid holidays
  • Competitive paid time off policy

Job title

Senior Credit Analyst

Job type

Experience level

Senior

Salary

$75,000 - $125,000 per year

Degree requirement

Bachelor's Degree

Location requirements

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