Senior Commercial Credit Analyst - CRE

Job Description

Job Description

We are looking for a Senior Commercial Credit Analyst specializing in Commercial Real Estate (CRE) to join our clients firm in the Twin Cities. In this role, you will be responsible for evaluating and making decisions on lending opportunities, balancing risk with growth objectives, and ensuring adherence to the bank’s lending standards. This position requires a strong financial acumen and the ability to collaborate effectively with relationship managers and other internal teams to support portfolio management and credit monitoring.

Responsibilities :

• Conduct thorough underwriting and credit analysis for commercial real estate loan applications to assess risk and ensure compliance with lending standards.
• Make credit decisions within assigned authority levels, ensuring appropriate asset quality ratings and loan structures.
• Collaborate with relationship managers and treasury management partners to deliver credit expertise and support lending opportunities.
• Monitor the existing loan portfolio, identifying risks and taking necessary actions to maintain asset quality.
• Perform detailed financial analysis, gaining a deep understanding of credit risks associated with various industries.
• Ensure all lending activities align with bank policies, guidelines, and regulatory requirements.
• Contribute to the bank’s growth goals by supporting high-quality lending decisions and maintaining strong portfolio performance.
• Provide consistent and accurate credit monitoring to uphold the bank’s financial standards and objectives.
• Achieve production expectations while maintaining a high level of work quality and accuracy.
• Support the overall financial success of the bank by meeting targets for credit quality and asset management.
• Bachelor’s degree in finance, accounting, or a related field, or equivalent experience.
• Minimum of 5 years of progressive experience in commercial credit analysis focused on Commercial Real Estate, including working independently with limited oversight.
• Strong ability to analyze and interpret financial statements to assess creditworthiness.
• Knowledge of loan structuring, borrowing causes, and lending regulations, with the ability to adhere to bank policies and standards.
• Experience managing credit risks across various industries, ensuring appropriate actions are taken.
• Proficiency in commercial real estate credit analysis, application review, and risk management.
• Demonstrated ability to maintain high asset quality through sound underwriting and credit monitoring.
• Excellent collaboration and communication skills to work effectively with internal teams and stakeholders.