Commercial Loan Analyst

2 weeks ago


Grand Rapids, Michigan, United States Cinnaire Full time

Position Overview: Become a vital member of Cinnaire Lending, a recognized Community Development Financial Institution (CDFI) certified by the U.S. Treasury. In the role of a Commercial Loan Analyst, you will be responsible for evaluating and structuring financing solutions for projects aimed at affordable housing and community enhancement. Your expertise will be crucial in assessing potential risks, ensuring adherence to underwriting standards, and uncovering opportunities that promote both financial success and social benefits in line with our organizational mission.

Key Responsibilities:

  • Evaluate and finalize commercial real estate financing, with a primary focus on affordable housing and community development initiatives.
  • Examine property cash flows and financial projections to ascertain appropriate loan amounts.
  • Assess project financials, real estate market conditions, and associated risk elements.
  • Conduct thorough due diligence assessments and effectively communicate credit attributes.
  • Draft comprehensive loan documentation and work collaboratively with stakeholders to secure loan approvals.
  • Foster and maintain relationships with all parties involved in the financing process.

Required Qualifications:

  • Bachelor's degree in Finance, Accounting, Economics, Business, or Real Estate/Urban Planning.
  • 3-5 years of experience in underwriting commercial real estate financing.
  • Proficient in modeling property cash flows and conducting financial analyses.
  • Strong analytical capabilities and problem-solving aptitude.
  • Competence in Microsoft Office suite.

Essential Competencies:

  • Ability to interpret data and make sound decisions.
  • Valuing diverse perspectives in the decision-making process.
  • Flexibility in problem-solving strategies and techniques.
  • Determination in overcoming obstacles.
  • Ability to convert concepts into actionable strategies to meet objectives.

Reporting Structure: This position reports directly to the Director of Loan Underwriting.

Physical Requirements: Must be comfortable working on a computer for extended durations.

Travel Expectations: Approximately 20% travel may be required.

Benefits: We offer a comprehensive benefits package including health insurance, retirement plans, and additional perks.

Cinnaire is an equal opportunity employer, dedicated to fostering an inclusive environment for all qualified candidates. We provide reasonable accommodations for applicants with disabilities and comply with all anti-discrimination laws and regulations.



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