Credit Analyst- Real Estate (M7)

A Credit Analyst (Real Estate, M7 Grade) is responsible for evaluating commercial real estate loan requests, analyzing borrower and property financials, preparing credit presentations, and recommending risk ratings. The role combines financial analysis, market research, and risk management to support lending decisions.

📌 Key Responsibilities

• Loan Analysis Review borrower/guarantor financials, tax returns, property operating statements, and debt service coverage.
• Credit Presentations Prepare detailed loan proposals including property maps, lease rollover analysis, repayment worksheets, and market data.
• Risk Assessment Identify risks and mitigants in loan structures; recommend appropriate risk ratings.
• Appraisal Review Evaluate and certify real estate appraisals, liaising with appraisers to resolve concerns.
• Annual Loan Reviews Conduct periodic reviews of existing loans, updating risk ratings and compliance status.
• Market Research Gather industry data from brokers, appraisers, and reports to assess property and market conditions.
• Committee Support Assist in presenting credit analyses to loan committees and respond to queries.