Senior Commercial Credit Analyst (Underwriting)

Senior Commercial Credit Analyst (Commercial Underwriting exp)

Job Overview

We are seeking a detail-oriented and experienced Senior Credit Analyst to join our dynamic financial team. In this role, you will be responsible for conducting comprehensive credit analyses, evaluating financial data, and providing insights that support lending decisions. The ideal candidate will possess strong financial acumen and a solid understanding of credit risk management, underwriting experience, and enabling them to contribute effectively to our organization's growth and stability.

Duties

• Experience with analyzing commercial real estate mortgage loans and construction and rehab lines of credit.
• Experience with reporting loan statuses to Management on a monthly basis.
• Knowledge of construction draw administration and evaluation.
• Knowledge of legislation, regulations, policies and procedures pertaining to lending practices.
• Basic understanding of the collection process.
• Complete knowledge of spreadsheet preparation, narrative underwriting and credit memo preparation and formatting.
• Conduct thorough credit analysis on potential borrowers to assess creditworthiness and risk factors.
• Perform quantitative analysis and financial modeling to forecast future performance and repayment capabilities.
• Collect and analyze data related to loan processing, ensuring accuracy and compliance with regulatory standards.
• Prepare detailed financial reports that summarize findings and recommendations for management review.
• Implement fraud prevention detection measures to safeguard the organization against potential risks.
• Collaborate with cross-functional teams to develop strategies for improving credit policies and procedures.

Qualifications

• 3 years of experience with a bachelor’s degree preferred.
• Commercial Real Estate experience IS A MUST HAVE
• Intermediate math skills (capable of calculations involving decimals, percentages & factions).
• Proven experience in credit analysis, loan processing, or a related field.
• Strong financial acumen with the ability to interpret complex financial statements.
• Proficiency in quantitative analysis techniques and financial modeling tools.
• Excellent written communication skills for effective financial report writing.
• Familiarity with fraud prevention detection practices is a plus.
• Ability to work independently as well as collaboratively within a team environment.