Commercial Real Estate Credit Analyst

Responsibilities

• Partner with Portfolio Managers in credit and underwriting
• Use critical thinking to identify and draft documentation
• Responsible for regularly completing indicative credit information into Banking Systems
• Responsible for preparing risk-rating scorecard and tickler event analysis
• Responsible for developing risk models and advising PMs
• Identify and determine monitoring analysis activities required
• Verify covenants and define updates needed on ticklers
• Monitor covenant completion and track past due or out of compliance covenants
• Responsible for assessing covenant compliance reporting
• Review covenant compliance certificates to understand performance
• Update financial covenants and calculations as needed
• Run Probability of Default (PD) model with oversight
• Responsible for understanding and evaluating completed spreads
• Responsible for identifying and recommending preliminary portfolio management actions
• Prepares ALSR reports with oversight
• Responsible for running risk and projection models with oversight assumptions
• Responsible for completing underwriting process with limited oversight
• Create and complete a CAM with little to no errors
• Review and re-write renewals for deals of limited complexity
• Responsible for portfolio analysis and development for Portfolio Reviews
• Support Portfolio Managers and special projects

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)
• 2+ years of Commercial Banking credit experience
• Sound Financial and risk analysis understanding
• Extensive Knowledge of banking products and services
• Knowledge of corporate business structure and legal documents
• General knowledge of U.S. government and regulation
  
  Knowledge of the local or regional market preferred
• Proficiency in internal banking applications
• Strong verbal and written communication skills
• Demonstrated expertise in using effective problem solving and analytical skills