Credit Risk Analyst

2 weeks ago


Fort Lee, New Jersey, United States Phaxis Full time

Position Title:
Credit Risk Analyst

Compensation Range:
$80,000.00-$90,000.00

Korean language proficiency is not a requirement.


The Credit Risk Analyst is responsible for ensuring adherence to established risk assessment protocols, quality assurance measures, as well as compliance with Federal Banking Regulations and Government Reporting obligations.

Key Responsibilities:

  • Conduct thorough financial evaluations of intricate loans, sectors, and clientele.
  • Assess loan applications and execute historical financial assessments and cash flow analyses.
  • Carry out and develop comprehensive cash flow evaluations of a guarantor's financial standing through meticulous examination of personal financial documents, tax filings, and credit reports.

  • When necessary, explore and discuss alternative financing structures and overall evaluations with the transaction team.

  • Meet the turnaround expectations of a high-volume lending environment while ensuring the quality of work remains exceptional.

  • Possess strong analytical and investigative capabilities.
  • Exhibit problem-solving abilities and the capacity to integrate technical expertise with sound business judgment.


Qualifications:

  • Exceptional communication abilities, both written and verbal.
  • Proficient underwriting skills across various asset categories in commercial real estate, SBA, and C&I lending.

  • Extensive experience in evaluating diverse asset types, properties, and cash flows.
  • Ability to prepare sensitivity analyses and stress testing scenarios, along with appraisal evaluations.
  • Conduct comprehensive due diligence, prepare credit committee documentation, execute transactions, and maintain ongoing portfolio oversight.

  • Efficiently manage modifications, renewals, and extensions in a timely manner.


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