Senior Credit Analyst

Job Summary

The Senior CRE Credit Analyst is responsible for conducting comprehensive due diligence, financial analysis, and underwriting of complex Commercial Real Estate (CRE) transactions, including acquisitions, construction, refinancing, and stabilized assets. This role involves preparing detailed Credit Approval Memorandums (CAMs), presenting recommendations to the Credit Committee, and ensuring all activities align with internal credit policies, OCC regulations, and strategic objectives. The analyst will work closely with relationship managers to structure credit terms, assess risk, and maintain a high-quality CRE portfolio. Although not a supervisory role, this position may assist in training junior analysts and supporting the Credit Manager and Chief Credit Officer.

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Essential Duties & Responsibilities :

• Analyze borrower creditworthiness, property performance (NOI, DSCR), market trends, and collateral valuations.
• Prepare and present CAMs with thorough financial modeling, stress testing, and risk mitigants.
• Conduct annual and periodic loan reviews to ensure ongoing credit compliance.
• Collaborate with lenders to structure terms and provide recommendations for approvals or declines.
• Research and verify collateral, financial statements, and industry trends to assess portfolio exposure.
• Support and mentor junior analysts in financial analysis and underwriting techniques.
• Assist in refining underwriting standards and credit risk strategies.

Minimum Requirements :