Commercial Real Estate Credit Analyst II

Essential Functions

• Analyze borrower and guarantor financials, tax returns, and global cash flow
• Evaluate property-level performance, including income, expenses, and debt service coverage and lease/tenant dynamics
• Assess loan structure, collateral, and repayment sources to determine credit risk
• Prepare clear, concise credit memos and loan presentations with recommendations
• Conduct market and industry research, including rents, vacancy trends, and property conditions
• Review third-party reports (e.g., appraisals, environmental) and identify risks and mitigants
• Support loan origination, underwriting, and closing processes in partnership with Loan Officers
• Perform annual reviews and ongoing monitoring of assigned credit relationships
• Assist in the maintenance of Bank filing systems as new information is received
• Participate in ongoing process improvement initiatives

Job Qualifications

• 1–3+ years of experience in credit analysis, commercial banking, or real estate underwriting
• Bachelor’s degree in Finance, Accounting, Business, or related field
• Experience with commercial real estate lending (multifamily, office, retail, industrial)
• Understanding of appraisal and collateral valuation concepts
• Proficient in Microsoft Office suite including Excel and Word and familiar with basic computer applications
• Strong analytical and math skills required
• Ability to multi-task, prioritize work, and adapt to changes in working environment required
• Clear written and verbal communication required
• Preferred: Salesforce experience

Pay

The annual salary range for the Commercial Real Estate Credit Analyst II is $78,000 - $85,000 per year.