Senior Credit Analyst - Market Investor CRE

Credit Analyst

Location : On site in Tampa, FL, Miami, FL, Orlando, FL or Naples, FL

The Credit Analyst will work directly with the Market Investor Commercial Real Estate Portfolio Management team and will be expected to provide credit analysis support for commercial real estate loans including loans to acquire, refinance, and develop income-producing properties. This position will also assist in the credit risk management and servicing of existing portfolios including covenant monitoring, annual servicing, and assessing property / market trends for commercial real estate lending portfolios within the footprint.

Duties and Responsibilities :

• Responsible for working with Portfolio Managers to monitor and manage assigned commercial real estate loan portfolio. This responsibility includes timely servicing of the portfolio, tracking and measuring covenants, and monitoring property performance against expectations.
• Analyze and prepare credit approval documentation in commercial loan system. The Credit Analyst is responsible for accurately reflecting loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure.
• Assist in the preparation of credit analyses and annual reviews, including review / analysis of real estate projects, market information, and financial statements for commercial borrowers and guarantors. Real estate and market specific analysis will include review, analysis, and summary of leases, rent rolls, appraisals, construction budgets, proformas, etc. Financial statement analysis may include analysis and presentation of borrower and individual tax returns, global real estate schedules, trends, and debt repayment capacity.
• Responsible for accurate calculations and inputs and implementation of CRE policies, procedures, and guidelines.
• Works with Portfolio Managers and Client Specialists to ensure systems of record are accurate for the loan portfolio.
• Participates in internal credit conversations with Portfolio Managers, Relationship Managers, and Credit partners.
• Participates in special projects and assignments and performs other duties as assigned.
• The successful candidate will consistently demonstrate a high level of ownership in team initiatives, flexibility in responding to internal and client deadlines, the ability to work on multiple assignments, have a high level of detail and follow-through, and the ability to work independently within the framework of the role.

Knowledge and Skills :

Education :

Bachelor's degree required, Real Estate, Finance or Accounting major preferred. At a minimum, the candidate should have exposure to real estate, finance and accounting through completed college courses or relevant work experience.

2+ years of relevant experience preferred