Remote Credit Analyst - ICRE

Summary

Join The Symicor Group as a remote Credit Analyst - ICRE and analyze complex financial information for loan requests, presenting findings in comprehensive documents. This role includes a salary of up to $70K and an excellent benefits package.

Requirements

• College degree in accounting, finance, economics or business
• Minimum of 6 hours of college-level accounting coursework required, including intermediate financial accounting
• Minimum of 2-5 years of experience in credit analysis at a bank with assets of $1 billion or more
• Experience analyzing complex investment CRE borrowers with deal and/or relationship size between $2 million and $20 million
• Exceptional ability to analyze and interpret all types of financial statements, formulate conclusions, and present findings in a narrative credit analysis memo
• Experience analyzing borrowing base certificates and underlying assets comprising the certificate to determine if the borrower is in compliance
• Demonstrated ability to create, interpret, and test borrower loan covenants
• Proven verbal and written communication skills, including the ability to convey information about a borrower’s financial status in commonly understood terms
• Demonstrated ability to think critically, make well-reasoned assumptions and solve problems
• Experience with and strong working knowledge of standard computer applications, especially Word, Excel, and Adobe Acrobat
• High degree of accuracy and attention to detail
• Strong initiative and ability to manage multiple lender requests, organizing and prioritizing tasks as appropriate; ability to work independently and meet deadlines

Responsibilities

• Analyze the financial condition and cash flow of borrowers
• Convert financial statements into a common-size spreadsheet utilizing financial spreading software
• Conduct in-depth review of rent rolls, leases, income statements, CoStar, appraisal reports, guarantor financials, global cash flow statements, and other financial information to determine that the borrower can generate income and cash flow sufficient to repay existing and proposed debts
• Present findings in comprehensive credit approval documents that outline the loan request and the financial condition of the borrower, including relevant financial data and narrative
• Communicate with lenders and/or borrowers to obtain necessary information regarding the borrower
• Assist lenders with structuring/underwriting loans
• Assist Credit Operations Specialist as needed with updating borrower financial statement requirements and covenant requirements in tracking software
• Assist Credit Underwriting Associates as they prepare financial statement spreads on behalf of the Credit Officer and under their supervision
• Perform quality control review of imaged documents