Commercial Real Estate Credit Analyst Sr
2 months ago
Responsibilities:
- Analysis of real estate purpose loans, primarily the acquisition/refinancing of the five core property types consisting of multifamily/apartments, office-warehouse/flex space, retail/shopping center, hotel/motel. In addition, acquisition, development & construction loans and large syndicated loans. Assess all aspects of project feasibility. Review and analyze construction budgets and if necessary, plans and approvals. Issue credit recommendations based on a thorough identification and evaluation of transactional risks and pursuant to the bank's credit policy, procedural guidelines and risk tolerance.
- Perform collateral valuations using direct capitalization approach for smaller properties and discounted cash flow analysis for large complex commercial properties.
- Perform repayment and market analysis for all property types.
- Analyze and spread personal financial statements and personal tax returns in order to ascertain financial strength of individual guarantors.
- Conduct global real estate cash flow in order to establish overall exposure and performance of real estate portfolio.
- Ability to meet a minimum of one (1) financial analysis per week with a high degree of accuracy in terms of figures and credit risk assessment.
- Interact with Sponsors/Borrowers as well as Relationship Managers and Portfolio Managers to enhance the quality of information required for underwriting purposes. Acts as a consultant to business lines regarding credit issues, processes and procedures.
- Assist in the training process of junior credit analysts. Specifically, assist the trainees in adopting the operating procedures of the department, the formats used for credit analysis purposes, and the credit criteria applied to the different types of analysis.
- Functions as a resource for business lines and works with senior management on various issues, as needed.
- Back up function for other operational roles performed in the department, as required by supervisor.
- Ability to identify, evaluate, monitor and make any recommendation deemed necessary to the supervisor in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules, regulations, prescribed practices, internal policies and procedures or ethical standards.
- Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.
- Participation in various appointed committees and/or outside organizations, representing both the Credit Services Unit and Bank.
- Assist in the training process of junior credit analysts. Specifically, assist the trainees in adopting the operating procedures of the department, the formats used for credit analysis purposes, and the credit criteria applied to the different types of analysis.
- Functions as a resource for business lines and works with senior management on various issues, as needed.
- Back up function for other operational roles performed in the department, as required by supervisor.
- Ability to identify, evaluate, monitor and make any recommendation deemed necessary to the supervisor in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules, regulations, prescribed practices, internal policies and procedures or ethical standards.
- Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.
- Participation in various appointed committees and/or outside organizations, representing both the Credit Services Unit and Bank.
- Assist in the loan structuring process and review of legal covenants in conformity with the Bank's policies and procedures. This also includes assisting Head of Segments and Relationship Managers in collaborating with other bank units such as Credit Administration, Loan Operations, Credit Services, Closing areas, and Credit Risk.
- Collaborate with Portfolio Management in the administration, monitoring, and renewal of upcoming maturities in a timely manner, processing of modifications, risk rating process (CARs), exceptions, covenants, as well as assisting in the identifying any "red flags" or problems within the portfolio.
- Conduct analysis/underwriting and assist portfolio managers functions, as needed. Provide support on new business activities by screening preliminary data and follow up in obtaining required documentation and conformity to credit underwriting policy of the Bank. Assist in the preparation of documentation, memos, and/or presentations (i.e. Term Sheet, PowerPoint presentations, etc.) as needed for the Relationship Manager.
- Operate the software systems for loan originations, modifications, annual reviews, and other presentations to senior management.
- Conduct annual review of existing credit relationships; recommend changes in risk rating as deemed appropriate. This includes calculating covenant testing requirements as needed. Identify, track and monitor loan policy exceptions, review credits with loan covenants and verify compliance.
- Monitor the assigned portfolio for adherence to Bank policies relative to credit, collateral, and documentation exceptions. Recommended appropriate actions, if necessary.
- Conduct project site visits/inspections and report findings, as needed.
- Attend seminars and training sessions to keep abreast of changing regulations, as well as industry/market trends and conditions.
Minimum Education and/or Certifications Requirements:
Bachelor's degree in business, accounting or finance required. Master's degree preferred OR 5+ years of commercial credit analysis experience in lieu of education. Formal credit training required.
Minimum Work Experience Requirements:
7+ years of professional experience in lending and/or credit analysis. Knowledgeable of banking products and documentation.
Technical and/or Other Essential Knowledge:
Thorough understanding of the Bank's credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.
-
Senior Credit Analyst for Commercial Real Estate
2 weeks ago
Coral Gables, Florida, United States The Ladders Full timePosition Overview:The Ladders is seeking a skilled Credit Analyst to enhance our team, focusing on evaluating risk factors associated with commercial property financing. This role involves analyzing intricate structures and transactions related to the acquisition, refinancing, repositioning, and development of income-generating assets, including multifamily,...
-
Experienced Commercial Real Estate Risk Analyst
2 weeks ago
Coral Gables, Florida, United States The Ladders Full timePosition Overview:The Ladders is seeking a skilled Credit Analyst to enhance our team, focusing on evaluating risk factors linked to Commercial Real Estate financing. This role involves the assessment of intricate structures and transactions associated with acquiring, refinancing, repositioning, and developing income-generating properties, including...
-
Portfolio Manager
2 months ago
Coral Gables, United States Bordoli Erben AG Full timeWhy You Should Consider This Opportunity: You’re excited to manage an existing Commercial Real Estate (CRE) portfolio and help deepen relationships You want to work on a strong team where you get autonomy to build relationships and have end to end ownership You want flexibility on how your day is structured Responsibilities include but are not limited...
-
Real Estate Paralegal
2 weeks ago
Coral Gables, United States William H. Albornoz, P.A. Full timeCompany DescriptionWilliam H. Albornoz, P. A., established in 1998, is a Law Firm in Coral Gables, FL specializing in real estate and corporate law. The firm caters to the sophisticated investor looking to invest in commercial and residential properties in the United States. The clientele includes local and foreign investors as well as developers.Role...
-
Real Estate Paralegal
2 weeks ago
Coral Gables, United States William H. Albornoz, P.A. Full timeCompany DescriptionWilliam H. Albornoz, P. A., established in 1998, is a Law Firm in Coral Gables, FL specializing in real estate and corporate law. The firm caters to the sophisticated investor looking to invest in commercial and residential properties in the United States. The clientele includes local and foreign investors as well as developers.Role...
-
Real Estate Financing Assistant
2 weeks ago
Coral Gables, Florida, United States Americasa by Nationwide Mortgage Bankers Full timeWe are seeking a meticulous mortgage lending support specialist to join our team. This role is essential in fostering communication with referral partners, existing and former clients, real estate professionals, lenders, and underwriters to strengthen relationships and cultivate new business opportunities. Your responsibilities will include facilitating the...
-
Senior Credit Analyst
2 days ago
Coral Gables, Florida, United States TD Bank Group Full timeJob DescriptionThe Commercial Credit Manager (CCM) is a key role within the TD Bank Group, responsible for ensuring the quality of underwriting, compliance, and credit monitoring within an assigned portfolio. This position supports new business development while applying credit risk policy and adhering to the Bank's risk appetite.Key Responsibilities:Credit...
-
Real Estate Attorney
2 weeks ago
Coral Gables, United States Alfred F. Andreu, P.A. Full timeWe are looking to hire a real estate lawyer with superb negotiation and analytical skills. Candidate is expected to display influential decision-making with fantastic research and communication skills. Monitor legal risk in real estate documentation and advise clients accordingly. Interpret laws, rulings, and regulations for real estate transactions. Draft...
-
Real Estate Attorney
6 days ago
coral gables, United States Alfred F. Andreu, P.A. Full timeWe are looking to hire a real estate lawyer with superb negotiation and analytical skills. Candidate is expected to display influential decision-making with fantastic research and communication skills.Monitor legal risk in real estate documentation and advise clients accordingly.Interpret laws, rulings, and regulations for real estate transactions.Draft and...
-
Real Estate Attorney
2 months ago
Coral Gables, United States Alfred F. Andreu, P.A. Full timeWe are looking to hire a real estate lawyer with superb negotiation and analytical skills. Candidate is expected to display influential decision-making with fantastic research and communication skills.Monitor legal risk in real estate documentation and advise clients accordingly.Interpret laws, rulings, and regulations for real estate transactions.Draft and...
-
Senior Real Estate Brokerage Executive
6 hours ago
Coral Gables, Florida, United States Bayview Fund Management, LLC Full timeJob SummaryBayview Fund Management, LLC is seeking a seasoned executive to lead the development and growth of its real estate brokerage business. The ideal candidate will have a proven track record of success in the real estate industry, with expertise in brokerage operations, customer acquisition, and team management.Key ResponsibilitiesBusiness...
-
Senior Commercial Credit Officer
1 week ago
Coral Gables, Florida, United States TD Bank Group Full timeWork Location: United States of America Hours: 40 Compensation Details: $110,760 - $166,400 USD TD is dedicated to ensuring fair and equitable compensation opportunities for all employees. The salary range for this position considers various factors that influence compensation decisions. The actual base pay offered may differ based on the candidate's skills,...
-
Commercial Credit Manager
3 days ago
Coral Gables, Florida, United States TD Bank Group Full timeJob DescriptionThe Commercial Credit Manager (CCM) is a key role within the TD Bank Group, responsible for ensuring the quality of underwriting, compliance, and credit monitoring within an assigned portfolio. This position supports new business development while applying credit risk policy and adhering to the Bank's risk appetite.Key Responsibilities:Credit...
-
Licensed Real Estate Consultant
2 weeks ago
Coral Gables, Florida, United States NextHome Merrick Realty Group Full timeJoin Our Dynamic Team at NextHome Merrick Realty Group! Are you an ambitious individual with a passion for real estate? Do you enjoy assisting clients in realizing their dream homes? If so, we have an exciting opportunity for you! Our team is expanding, and we are looking for dedicated Real Estate Consultants to manage our influx of leads. As a boutique real...
-
Real Estate Listing Specialist
1 week ago
Coral Gables, Florida, United States ONEPATH REALTY Full timePosition OverviewWe are in search of a committed listing specialist to become a part of the vibrant team at ONEPATH REALTY.ONEPATH REALTY is dedicated to delivering exceptional assistance and opportunities for advancement in the competitive real estate sector. If you are a proactive and results-driven professional, this is an ideal environment for you to...
-
Senior Staff Accountant
1 hour ago
Coral Gables, Florida, United States HR Exchange Full timeAbout the JobJob Summary:We are seeking a highly experienced Senior Staff Accountant to join our team at HR Exchange. As a Senior Staff Accountant, you will be responsible for providing financial expertise and support to our real estate development and property management operations.Key Responsibilities:Manage and analyze financial data for multiple...
-
Real Estate Sales Agent
3 months ago
Coral Gables, United States NextHome Merrick Realty Group Full timeJob DescriptionJob DescriptionAre you a self-starter with the desire to make a better income?Do you love helping others and thrive on making their home vision a reality?If you answered yes to these questions, then we’ve got a career opportunity for you! Our team is growing and we need Sales Agents to help us handle our abundant amount of leads!We are a...
-
Acquisition Analyst
2 weeks ago
Coral Gables, United States Leeds Professional Resources Full timeWe are seeking an Acquisitions analyst to join our clients team! Job Responsibilities: • Develop a robust investment pipeline, following defined acquisitions criteria • Screen, analyze, and underwrite acquisitions opportunities • Create financial models for prospective acquisitions • Create investment presentations • Conduct market research and...
-
Acquisition Analyst
4 weeks ago
Coral Gables, United States Leeds Professional Resources Full timeWe are seeking an Acquisitions analyst to join our clients team! Job Responsibilities: Develop a robust investment pipeline, following defined acquisitions criteria Screen, analyze, and underwrite acquisitions opportunities Create financial models for prospective acquisitions Create investment presentations Conduct market research and analysis across...
-
Acquisition Analyst
6 days ago
coral gables, United States Leeds Professional Resources Full timeWe are seeking an Acquisitions analyst to join our clients team! Job Responsibilities:• Develop a robust investment pipeline, following defined acquisitions criteria• Screen, analyze, and underwrite acquisitions opportunities• Create financial models for prospective acquisitions• Create investment presentations• Conduct market research and analysis...