Analyst

• Perform clear and comprehensive credit analysis on commercial real estate loans including multi-family, ground-up construction, construction-to-permanent, purchases, for-sale properties, and acquisitions for new and existing customers based on historical numbers, projections, and Appraisals.
• Assist in the analysis/underwriting of credits for the commercial lending area, particularly those related to real estate lending of any type: residential developers, shopping centers, apartment complexes, etc.
• Spread and review Business and Personal Tax Return/Financial Statements in the Financial Spreading Program.
• Prepare Risk Rating forms in conjunction with the Presentations/Annual Reviews.
• Conduct financial analysis such as NOI, Cash flow, Debt Service Coverage, Loan to Values, Liquidity ratios, leverage, profitability, and loan covenants.
• Formulate/present findings, evaluations, credit worthiness, and recommendations to Lenders, Senior Management, and Internal Loan Committees.
• Mentor new hires with the internal processes.
• Perform all other reasonable duties as assigned.

Senior Credit Analyst

Valuation Analyst