Associate Financial Analyst

Commercial Real Estate – Associate Financial Analyst (Exempt) About Us

Shin Yen Retail Property Management is a premier commercial real estate company with an extensive portfolio of properties across diverse regions. Our commitment to excellence in property management, leasing, and investment has fueled our continued growth. As we expand, we are seeking a detail-oriented and analytical Associate Financial Analyst to support financial strategy, investment analysis, and portfolio performance across our retail property portfolio.

The Associate Financial Analyst plays a crucial role in maintaining the financial health and integrity of Shinyen’s assets. This position is responsible for analyzing historical financial data, preparing reports, and providing insights in optimizing the company’s investments to maximize profit.

As the Associate Financial Analyst, you will play a pivotal role in examining financial statements, assessing market trends, and assisting in budgeting and forecasting activities. Your expertise in financial analysis and commercial real estate market trends will be instrumental in facilitating seamless financial reporting and improving the financial performance of Shinyen’s assets.

• Evaluate existing portfolio DSCR values by analyzing financial statements.
• Assess loan risks, maintain close ties with property management and accounting departments to effectively monitor DSCR values.
• Gather updated information on Real Estate Schedules of ownership and personal financial statements of major investors.

• Monitor the loan portfolio to identify risks and opportunities.
• Develop and implement strategies to optimize the risk-return profile.
• Review and adjust credit limits, interest rates, and terms to maintain portfolio quality.
• Maintain relationships with existing bankers and explore new opportunities with banks, insurance, CMBS, and other avenues for loan opportunities.
• Document all loans meticulously and create portfolio wide documentations of loan records.

• Develop financial packages to attract capital injection from investors.
• Monitor investors' financial strength and approve their finances for collaboration on investment opportunities.
• Utilize tools like Argus to provide a comprehensive analysis of investment properties to lenders and investors.
• Attend conferences that are relevant to retail real estate and commercial lending to strategize on new capital sources for future investments and opportunities.

• Prepare, review, and process loan documents, including promissory notes, security agreements, mortgages, deeds of trust, and loan agreements.
• Ensure all loan documentation complies with company policies, regulatory standards, and lender requirements.
• Coordinate with internal teams (legal, operations) and external parties (title companies, attorneys, and banks) to gather and confirm required documents.
• Maintain accurate loan files and documentation in electronic or physical format.
• Monitor loan closings, funding requirements, and document execution deadlines.
• Identify discrepancies or missing documentation and work with relevant parties to resolve issues promptly.
• Assist in audits and regulatory reviews by providing required loan documentation.
• Support continuous improvement of documentation processes and templates.

• Identify and list primary bank contacts, including the relationship manager, credit officer, and loan servicing/documentation team, with roles and contact information.
• Establish preferred communication protocols, including methods (email, phone, portal) and frequency of updates, meetings, and reviews.
• Develop and maintain relationships with new banks and financial institutions to create additional funding opportunities, negotiate terms, and expand the company’s financing network.
• Evaluate and present potential lending partners to senior management, including their lending products, rates, and strategic fit with company objectives.
• Manage ongoing relationships with existing banks, ensuring timely submission of financial statements, compliance certificates,…