Senior Commercial Credit Analyst

Park Avenue Group a division of Angott Search Groupis pleased to partner with a respected financial institution in the search for a Senior Commercial Credit Analyst. This position will play a critical role in evaluating and underwriting complex commercial commercial real estate and other credit requests while providing lenders and senior leadership with thoughtful well-supported credit analysis.

The Senior Commercial Credit Analyst will work closely with lending and credit teams independently managing complex transactions and serving as a trusted resource throughout the underwriting and portfolio management process.

What Youll Do:

• Underwrite new commercial commercial real estate and consumer credit requests including renewals modifications annual reviews and loan increases.
• Prepare comprehensive credit approval memoranda outlining borrower and guarantor background loan purpose sources of repayment financial performance risk factors and recommendations.
  
• Spread and analyze business and personal tax returns financial statements K-1s rent rolls personal financial statements projections and other supporting documentation.
• Evaluate cash flow debt service coverage global debt service coverage liquidity leverage collateral guarantor strength and repayment capacity.
• Apply the Five Cs of Credit to all credit decisions: Capacity Capital Collateral Character and Conditions.
• Research industry trends and market conditions affecting existing and prospective borrowers.
• Review appraisals environmental reports construction reviews property inspections and other collateral documentation.
• Pre-screen prospective loans modifications and increases and recommend loan amount structure terms covenants and whether to proceed.
• Identify and escalate red flags emerging risks covenant violations and early warning indicators.
• Monitor covenant compliance and communicate concerns to lending and credit leadership.
• Communicate with borrowers as needed to obtain financial information clarify underwriting questions and understand business objectives.
• Collaborate with Loan Servicing and other internal teams to resolve pre-closing credit conditions.
• Assist with collateral monitoring portfolio stress testing and other credit risk initiatives.
• Maintain accurate credit files and ensure compliance with applicable policies regulations and risk-rating requirements.
• Coach and mentor Credit Analysts and Credit Specialists helping develop their skills and ability to manage increasingly complex transactions.

What You Bring:

• Bachelors degree in Finance Accounting Economics Business Administration or a related field.
• Minimum of five years of commercial credit underwriting or analysis experience including complex commercial and/or commercial real estate transactions.
• Formal credit training through a bank institutional lender RMA ABA or comparable program required.
• Strong understanding of commercial credit analysis financial statement analysis cash flow analysis collateral evaluation and risk assessment.
• Demonstrated ability to analyze complex financial statements tax returns projections and other financial information.
• Strong financial statement spreading skills and proficiency with financial analysis software; Sageworks or similar experience preferred.
• Experience preparing sophisticated commercial credit memoranda.
• Intermediate-to-advanced proficiency in Microsoft Word and Excel.
• Excellent written and verbal communication skills with strong financial and credit vocabulary.
• Strong attention to detail organization judgment and analytical skills.
• Ability to independently manage complex credit requests and collaborate effectively with lenders credit leadership and other internal partners.
• Experience coaching or mentoring junior credit professionals preferred.
  

Required Experience:

Senior IC