Commercial Real Estate Credit Analyst

Position Title

Commercial Real Estate Credit Analyst

Non-Exempt

Commercial Portfolio Manager, Sr. Commercial Underwriting Manager, or Commercial Underwriting Manager

University Center

• Medical, Prescription Drugs, Dental, and Vision Insurance
• Insurance Eligibility for Team Members and Dependents Starting on the First Day of Employment
• 401(k) with a Match
• Basic, Voluntary, and Dependent Life Insurance
• Paid Time Off
• Paid Bank Holidays
• Workplace Wellness Programs
• Employee Assistance Programs
• Tuition Reimbursement

Provides credit analysis support by analyzing commercial real estate loan requests, providing customer service to commercial loan officers and executive management through analyzing commercial loan requests, identifying strengths and weaknesses, providing recommendations and noting any deviations from policy as appropriate. This individual may also be responsible for producing periodic management reporting and other projects as necessary.

• Evaluates the level of risk posed to the Bank from borrowers related to commercial real estate, both for construction and income producing loans.
• Analyzes and evaluates historical operating statements, budgets, leases, loan data, market data, and other information to establish appropriate underwriting assumptions.
• Produces analysis for new, renewal, and existing loans, using data provided from financial statements, tax returns, industry sources, credit bureaus, and other sources.
• Prepares memorandums, spreadsheets, reports, summaries, and opinions for credit committee and officers for use in lending decisions.
• Creates evaluations of properties and performs various sensitivity analyses.
• Identifies critical property-level financial concerns.
• Reviews, analyzes, comprehends, and interprets various types of real estate documents.
• Creates, reviews, and updates new and existing reports for Southside Bank's loan portfolio analysis and tracking, as needed.
• Provides technical advice and assistance to loan officers, as needed.
• Attends meetings, as appropriate, and is available to answer questions regarding credit analysis.
• Participates in customer meetings, as needed.
• Maintains knowledge of current and emerging legal, compliance, and market matters involving commercial lending.
• Participates in special projects and assignments.
• Maintains confidentiality of all sensitive Bank information.
• Maintains a positive and caring atmosphere for customers and employees consistent with Southside Bank's mission, CORE Values, and Blue Book culture guide.
• Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees.
• Participates in proactive team efforts to achieve departmental and company goals.
• Understands and agrees to abide by the policies and procedures established at Southside Bank.
• Responsible for complying with audit policies and procedures as they pertain to this position.
• Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank's Information Security Program.
• Must comply with all applicable laws and regulations.

• Complies with all safety policies, practices, and procedures. Report all unsafe activities to supervisor and/or Human Resources.
• Performs additional duties, as assigned or directed.

• Bachelor's degree in business administration from an accredited college or university in finance, accounting or related area.
• Preferred: MBA or other related advanced degree.
• Minimum of 9 hours of accounting courses.
• Preferred: 12 hours of accounting courses, including Intermediate Accounting I or equivalent.
• Three to five years of relevant banking/Commercial Real Estate experience.

• General proficiency in computer applications.
• Advanced proficiency in Microsoft Excel and an ability to understand and produce complex and professional spreadsheets. Ability to produce thorough and professional written reviews and reports.
• Excellent technical writing skills. Must be able to clearly, concisely, and accurately relate…