Credit Analyst

The Role:

The Credit Analyst is responsible for underwriting and analyzing credit risk for commercial 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 non–real estate credit products, including lines of credit, business term loans, and SBA loans.

What You'll 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 You'll Need:

• Bachelor’s 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