Credit Analyst
Share
Job Location:
Sacramento, CA - USA
Monthly Salary:
Not Disclosed
Posted on:
Yesterday
Vacancies:
1 Vacancy
Job Summary
The Role:
The Credit Analyst is responsible for underwriting and analyzing credit risk forcommercial borrowers with a primary focus on multifamily real estate. This role supports new loan originations and portfolio management by spreading financial statements building cash flow models preparing credit memoranda and collaborating closely with relationship managers portfolio managers and clients. The analyst will also underwrite nonreal estate credit products including lines of credit business term loans and SBA loans.
What Youll Do:
Underwrite and analyze commercial real estate loans with an emphasis on multifamily properties
Spread and analyze borrower and guarantor financial statements tax returns rent rolls and operating statements
Build and maintain financial models cash flow analyses and debt service coverage calculations
Prepare clear well-supported credit memoranda and internal reports for loan committees
Assist with underwriting and analysis of commercial lines of credit business term loans and SBA loan requests
Conduct global cash flow analysis for complex borrowing relationships
Work closely with relationship managers portfolio managers and customers to obtain required documentation and clarify financial information
Support ongoing portfolio monitoring including annual reviews covenant tracking and risk rating updates
Ensure compliance with bank credit policy regulatory requirements and SBA underwriting standards
Utilize loan operating systems and data tools to manage credit files and reporting efficiently
What Youll Need:
Bachelors degree in Finance Accounting Economics Real Estate or a related field
Minimum of 5 years of commercial credit analysis or underwriting experience preferably within a bank or financial institution
Strong experience underwriting commercial real estate loans particularly multifamily
Working knowledge of commercial lending products including lines of credit and business term loans
Familiarity with SBA loan underwriting and documentation requirements
Advanced proficiency in Microsoft Excel including financial modeling and cash flow analysis
Experience with nCino or similar advanced loan operating systems
Working knowledge of Airtable or comparable data management tools
Strong analytical organizational and written communication skills
Preferred Qualifications:
Experience supporting relationship managers in a commercial banking environment
Familiarity with portfolio management and ongoing credit monitoring
Ability to manage multiple priorities in a deadline-driven environment
Strong customer-facing communication skills and collaborative mindset
What We Offer:
Competitive salary and benefits package
Opportunity to work with a growing commercial real estate portfolio
Collaborative team environment with exposure to complex credit structures
Professional development and advancement opportunities
Required Experience:
IC
Key Skills
- Financial Statement Preparation
- Credit Analysis
- Cash Flow Analysis
- Math
- Banking
- Analysis Skills
- UCC Law
- Underwriting
- Financial Analysis
- Financial Modeling
- Financial Report Interpretation
- Word Processing
About Company
Why do 10M+ members trust SoFi? Financial solutions for school, marriage, starting a family, home buying, retirement, or whatever’s next. Member FDIC.
