Corporate Credit Analyst - Commercial Real Estate

Overview

The Horizon Group is searching for a Credit Analyst, with a focus on Real Estate, for one of our international banking clients located in Manhattan, NY.

• Prepare credit applications and handle customer requests in accordance with CnR ( Rules) and internal approvals.
• Processing commercial Real Estate Finance transactions with US / Canada and international investors and developers. This comprises the entire underwriting process and assessment of credit-worthiness of the borrower entity.
• Review of structural adequacy of real estate loans based on sustainable cash-flow models, credit metrics
• Interact with customers in accordance with all applicable laws and internal regulations.
• Manage and monitor Real Estate Credit portfolio independently including; preparing annual loan reviews, preparing risk ratings (ICRE), maintaining loan databases and systems, monitoring covenant and reporting compliance.
• Identify and resolve defaults under loan documents.
• Responsible for preparing, management and monitoring of pledged loans under the Borrower-In-Custody of collateral program. Responsible for updating desk procedures.
• Responsible for preparing the Shared Credit Review loans eligible under the program and management and monitoring of the annual reporting.
• Analyze key data for each property, including the operating and financial statements, as well as the financing structure of the transaction.
• Analysis of borrower personal and property level financial statements, rent rolls, tenant financials, cashflow

• Bachelor’s Degree in Finance, Economics or Banking

• Thorough knowledge and experience in operating and financial statement analysis and in managing the credit risk of a commercial Real Estate
• Knowledge of US / Canada real estate lending functions, financial data analysis, real estate fundamentals and issues.
• Minimum 5 years of experience in Real Estate Finance transactions
• Thorough computer applications skills (MS-Office, ARGUS, particularly Excel)