Credit Analyst

4 days ago

New York, United States Enterprise Community Partners Full time

Enterprise is a national nonprofit that exists to make a good home possible for the millions of families without one. We support community development organizations on the ground, aggregate and invest capital for impact, advance housing policy at every level of government, and build and manage communities ourselves. Since 1982, we have invested $72 billion and created 1 million homes across all 50 states, the District of Columbia, Puerto Rico and the U.S. Virgin Islands - all to make home and community places of pride, power and belonging.

Join us at enterprisecommunity.org

Working at Enterprise

At Enterprise, you'll be part of a diverse, committed team making a difference every day. You will collaborate with some of the smartest minds and biggest hearts in our field. You'll be empowered to drive systems change and take bold steps to advance racial equity. And you will find a career home where you're valued and supported in your growth journey.

Enterprise offers career opportunities in our offices across the country with anexceptional benefits package.

Job Description Summary

Overview:

Enterprise Community Loan Fund (ECLF) is a certified community development financial institution and a member of the Enterprise Family of Companies. Since its founding in 1982, Enterprise, our controlling entity, has raised and deployed more than $53B in equity, grants and loans to support low-income people and low-income communities including building or preserving nearly 662,000 affordable rental homes. For more information about enterprise, please visit our website at www.enterprisecommunity.com.

Job Summary:

Reporting to the Director of Credit, the Credit Analyst is responsible for a variety of tasks associated with underwriting, closing, and asset management of loans. In particular, the Credit Analyst will provide support to Loan Fund's operations by working closely with the Loan Fund's Chief Credit Officer, Director of Credit, Loan Officers and Asset Managers to manage relationships with our customers and closely monitor the performance of assigned loans and the underlying project. Asset management tasks include but are not limited to covenant compliance, financial reporting, loan modifications, annual reviews, and assigned program management. In addition, the Credit Analyst will support the Loan Officers and Asset Managers by performing financial analysis of both for- and non-profit sponsors and/or borrowers, completing 3rd party report reviews, and performing site visits.

Job Description

Responsibilities:

Asset Management

The Credit Analyst will be responsible for managing a portfolio of loans, primarily acquisition and construction loans in New York City. In particular, the Credit Analyst will provide support to Loan Fund's operations by working closely with the Loan Fund's Chief Credit Officer, Director of Credit, Loan Officers and Asset Managers to manage relationships with our customers and closely monitor the performance of the loan and underlying project. These tasks may include but not be limited to the following: providing financial analysis of existing borrowers/guarantors; completing portfolio reviews as assigned; completing recommendations for modifications; drafting simple modifications as requested; assisting with workout plans for trouble loans as necessary; reviewing loans for covenant compliance; reviewing construction draw requests, managing construction budgets, and performing site visits. The Credit Analyst will be assigned to manage loans within structured funds and will be responsible for reporting to the Fund manager.

Loan Underwriting & Modifications

The Credit Analyst will be tasked with producing financial analysis of both for- and non-profit sponsors and/or guarantors. As requested, the Credit Analyst will support the Loan Officers and Asset Managers by performing tasks including but not limited to a thorough due diligence review and evaluation of various aspects of loan underwriting and/or modifications such as evaluating feasibility and likelihood of repayment sources, appraisal reviews, construction cost reviews, property condition reports, environmental reports, and site inspections. As needed, the Credit Analyst may be requested to participate in the loan closing process by reviewing loan documents and/or due diligence items required to close and/or modify loans.

Other Duties as Assigned

From time to time, the Credit Analyst carries out other responsibilities as assigned such as assisting with data analysis for new programs and/or product initiatives, investor requests, capital funding applications, or other special requests as applicable.

Qualifications:

  • At a minimum 3 years of work experience, and an undergraduate degree in business, finance, real estate, urban planning, or related field is required.
  • A graduate degree in business, finance, real estate, urban planning, or related field can substitute for required work experience.
  • Experience in real estate-based or affordable housing finance, including credit analysis, preferred.
  • Experience with construction lending and processes is desired.
  • Proficiency in analyzing financial statements of nonprofit and for-profit organizations and real estate property operations (in particular, rental housing and community facilities).
  • Experience with reviewing due diligence items required to close real estate transactions including but not limited to appraisals, environmental, and construction cost review reports.
  • Knowledge of the loan closing process and loan documents utilized in real estate transactions.
  • Familiarity with federal, state, and local government funding sources for construction, rehabilitation and operating needs of multi-family housing, special needs housing, and community facilities (e.g. LIHTC, HUD, NYC Housing, Preservation & Development, NYC Housing Development Corporation programs, etc.) desired.
  • Experience working with both private sector financial institutions and public agencies.
  • Excellent written and verbal communication skills are required.
  • Strong computer aptitude skills, including knowledge of Microsoft Office Suite Programs are essential.
  • Excellent skills in managing multiple tasks requiring strong attention to detail.
  • Ability to work effectively in a team environment.
  • Ability to travel.

Total Rewards at Enterprise:

You will be working with a group of talented professionals who are motivated by serving the community and addressing the need for affordable housing.

Enterprise offers a comprehensive total rewards package for you and your family.

The base salary for this role is $80,000 to $100,000, depending on level of skills and experience.

The salary range for this position is represented by the low and high end of the range for the amount to be paid for the position. Salaries paid at Enterprise will vary based on factors that may include skills, education, location, experience, and performance. The salary range is just a part of the total rewards package provided to employees at Enterprise, and other rewards may include annual performance bonuses and generous paid leave programs.

At Enterprise, our benefits form a major component of our total rewards package. Benefits include dental, health, and vision care plans, as well as family-building benefits, such as fertility, adoption, surrogacy support, and gender-affirming care. Enterprise allows flexible work arrangements to promote a better work-life balance. We offer health advocacy, EAP, and mental health benefits. We round out our total rewards package by offering financial education, wellness programs, and auto-enrollment in the company's 401(k) plan with employer matching contributions. Finally, you will have learning and development opportunities, including tuition reimbursement for job-related courses and certifications. Thank you for your interest in joining the Enterprise team in our effort and commitment to serve others.

#LI-JW1 #ID #ZR #PGM

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