Job Description

Our client is seeking a Commercial Credit Analyst .

You will be responsible for preparing credit analyses and underwriting for commercial real estate and C&I transactions.

Your Role:

• Spread financial statements in order to pre-screen the viability of the credit proposal
• Examines accounting methods and scrutinizes financial statements
• Prepare credit presentations which include the following: identify and mitigate risk, identify sources of repayment, sensitivity analysis, industry data and project analysis
• Pull credit reports, OFAC and background checks
• Analyze borrower’s business methods of operations, operational environment, financial condition and operating performance to determine borrower’s ability to pay on loans
• Perform credit underwriting and assess credit risk,
• Performs credit analyses for annual reviews and credit renewals as required
• Assures financial covenants of each transaction are carried out as approved

Qualifications:

• Bachelor's degree (B.A) from qualified college or university;
• 3+ years of Credit Analysis experience with commercial real estate and/or C&I analysis
• Excellent ability to communicate in English, verbally and in writing; Portuguese and Spanish highly recommended
• Excellent proficiency in various computer software including MS office skills
• In depth knowledge of all bank policies, procedures and compliance requirements
• Knowledge of accounting and financial analyses

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