SUMMARY/OBJECTIVE:The Commercial Real Estate (CRE) Credit Analyst II is responsible for evaluating and underwriting commercial real estate loan opportunities. This role analyzes borrower, guarantor, and property-level financial performance to assess risk and determine creditworthiness, while providing clear recommendations to support sound lending decisions.
ESSENTIAL FUNCTIONS:- Analyze borrower and guarantor financials, tax returns, and global cash flow
- Evaluate property-level performance, including income, expenses, and debt service coverage and lease/tenant dynamics
- Assess loan structure, collateral, and repayment sources to determine credit risk
- Prepare clear, concise credit memos and loan presentations with recommendations
- Conduct market and industry research, including rents, vacancy trends, and property conditions
- Review third-party reports (e.g., appraisals, environmental) and identify risks and mitigants
- Support loan origination, underwriting, and closing processes in partnership with Loan Officers
- Perform annual reviews and ongoing monitoring of assigned credit relationships
- Assist in the maintenance of Bank filing systems as new information is received.
- Participate in ongoing process improvement initiatives.
JOB QUALIFICATIONS:- 1-3+ years of experience in credit analysis, commercial banking, or real estate underwriting.
- Bachelor's degree in Finance, Accounting, Business, or related field.
- Experience with commercial real estate lending (multifamily, office, retail, industrial).
- Understanding of appraisal and collateral valuation concepts
- Proficient in Microsoft Office suite including Excel and Word and familiar with basic computer applications.
- Strong analytical and math skills required.
- Ability to multi-task, prioritize work, and adapt to changes in working environment required.
- Clear written and verbal communication required.
- Salesforce experience preferred.
The annual salary range for the Commercial Real Estate Credit Analyst II is $78,000 - $85,000 per year. 
