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Description

Are you currently a Commercial Real Estate Credit Analyst working at a bank looking for a better work/life balance but focusing on commercial real estate? Are you an expert in commercial real estate loans (industrial, hospitality, office, multi-use, apartment complexes)? Do you know how to analyze tax returns and personal financial statements? Can you do a cash flow? If you are saying yes, to all these questions this could be the perfect job for you. This Commercial Credit Analyst is responsible for analyzing a loan applicant’s credit history and approves or denies commercial real estate loan opportunities in the $3MM to $25MM range based on the analysis. Also responsible for servicing and tracking each assigned loan to monitor for risk trends, payment status, documentation, insurance, and credit exceptions. In addition to being responsible for timely and accurate issuance of billing information to members as well as the accurate and timely reporting of loan status to senior management on a monthly basis.

+ Monitors the queue for commercial loan applications and follows up with applicants for the purpose of receiving required application materials. Analyzes a loan applicant’s credit worthiness including an applicant’s character, capacity, collateral, capital, and economic conditions and prepares comprehensive credit memoranda; Reviews credit bureau reports and personal credit scores for critical evaluation of potential individual guarantors; Verifies information included on loan application as necessary and makes a recommendation to the loan officer’s to approve or deny a loan.

+ Prepares loan presentation sheets, credit memos (both for initial credit evaluation and periodic credit review) and drafts commitment letters for loan officer’s final approval. Reviews legal documents for adherence to approved loan terms and tracks all post-closing exceptions to assure timely receipt and execution of all documents, policies, agreements, escrows or other items required per the loan approval and policy.

+ Assigns and recommends risk ratings to each credit at completion of underwriting, during annual credit reviews, and upon identification of material adverse credit conditions that impair or threaten to impair repayment capacity. Risk rating accuracy should be maintained at 95% or better as measured by NCUA, external and internal examination results.

+ Critical examination and review of third-party report.

+ Construction loan administration support.

+ Performs loan assistant duties to include, but not limited to, term sheet and commitment letter drafting, clearing pre-closing checklist exceptions, coordinating all pre-settlement functions with lender’s counsel, closing and funding administration.

+ Obtains timely and accurate submission of updated borrower financial information and reports loan exception status to senior management on a monthly basis.

+ Other duties as assigned.

The ideal candidate for this Commercial Real Estate Credit Analyst role will have 3+ years of Commercial Real Estate credit analysis, BS in Finance, Accounting or Management, experience working at a bank on commercial loans $3M+ and knows how to analyze a personal financial statement and tax return. Compensation range is 85K-140K in base salary with full benefits. This role is hybrid and in the office 2-3 days/week. To apply to this Commercial Real Estate Credit Analyst role please do so through this posting or reach out to Caren Bromberg Bach on LinkedIn or call Caren Bach at 301.965.9035.

Requirements • A minimum of 3 years of experience in commercial real estate underwriting or financial analysis.

• Strong knowledge of commercial lending practices, including credit analysis and risk assessment.

• Proficiency in analyzing cash flow, real estate assets, and financial statements.

• Experience with construction loan administration and related documentation.

• Excellent ability to prepare and interpret credit memoranda and financial reports.

• Familiarity with regulatory requirements for commercial loans and third-party reports.

• Strong organizational skills to manage multiple loan files and meet deadlines.

• Effective communication skills for interacting with borrowers, legal counsel, and senior management.

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