Albany – Credit Analyst / Underwriter – C&I & CRE (107655)

Ken has been a Commercial Credit Analyst / Underwriter for 18 years.

He is seeking an opportunity with an Albany area bank.

Ken’s career skills as a Credit Analyst / Underwriter include:

  • Supported the Business Banking Lending Team through underwriting Commercial and Industrial (C&I) and Commercial Real Estate (CRE) loan transactions.
  • Some experience with SBA (7a and 504).
  • Completed independent, unbiased credit evaluations on businesses with $5MM to $25MM or more in revenues which included manufacturers, wholesalers, retailers, service providers, contractors, not-for-profits, and specialty industries.
  • Reviewed financial statements and all other relevant financial and non-financial data to develop a sound analytical foundation for a credit decision.
  • Performed cash flow analysis emphasizing the Debt Service Coverage Ratio and Fixed Charge Coverage Ratio.
  • CRE underwriting included in-depth pro-forma cash flow analysis of Non-Owner Occupied Real Estate (NOORE) properties and determination of accurate pro-forma loan-to-value ratios.
  • Identified key risks, mitigants and strengths through detailed and defensible risk analysis while ensuring compliance with Bank policy.
  • Served as a mentor for junior analysts and assisted in their credit analysis training.

Ken is asking for a base salary minimum of $61K.

Kindly call Jeanie Maher or Tom Szmanda at 847-325-5457 or email us at: