Risk Management - Credit Officer - Senior Associate

About the role

As a Credit Officer Senior Associate within the Credit Risk team, you will evaluate and identify risks and interpret data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1 million to $25 million+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.

Responsibilities

• Oversee all aspects of credit analysis on loans secured by multifamily and other types of commercial real estate
• Evaluate and manage risks in each transaction
• Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal
• Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities
• Apply data analysis techniques to interpret results and provide insights and recommendations to management
• Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools
• Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge

Requirements

• Bachelor's degree in a business or finance concentration
• 3 years of experience in commercial real estate lending or 5 years of other banking or finance experience
• Thorough understanding of multifamily real estate property valuations and cash flow analysis
• Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements
• Ability to manage competing priorities effectively in a collaborative, high volume environment while maintaining attention to detail
• Excellent verbal and written communication and problem-solving skills
• Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed
• Familiarity with regional commercial real estate markets and municipal regulations
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems