Los Angeles – Credit Analyst – CRE (106923)

Neil has been a Credit Analyst for 18 years and enjoys all elements of credit analysis and underwriting.

He is seeking an opportunity with a Los Angeles area bank.

Neil’s career skills as a credit analyst include:

  • Prepare the project cash flow for commercial real estate projects: construction projects, existing office buildings, apartment complexes to estimate the market value of projects based on income approach. (CRE / C&I)
  • Calculate DSCR, NOI, costs, financial ratios for business and commercial real estate lending.
  • Calculate ROA and ROE for each relationship.
  • Prepare complicated, complex recaps (credit/financial analysis of a company) for commercial lending: floor plan loans, terms loans, asset-based loans, revolving lines of credit (financing and collateralizing by inventory, account receivables, and credit card portfolio), floor plan for auto dealership, and construction/ commercial real estate loans, motels, office buildings, low income housing projects, housing/condo projects, SBA Loans.
  • Calculate and monitor borrowing base and the RLOC balance.
  • Work with Commercial Lenders and Special Asset Officers and clients on restructure delinquency loans, restructure business plan and distressed commercial real estate properties, and book “good quality” loans.
  • Review credit files ensuring covenants and documents complied with lending/ credit policy and regulator’s guidelines.
  • Perform risk rating on new loans and upgrade/downgrade existing loans.
  • Calculate Allowance for Loan Loss with an assistant/approval of Credit Manager
  • Visit and estimate market value of commercial R.E. properties
  • Review commercial real estate appraisals.
  • Discuss environmental problems (Phase 1 and 2) with commercial lenders in order to undertake necessary actions.
  • Analyze economic conditions and trends related to acquisition, absorption rates and operation of commercial R.E. properties, residential developments, shopping centers, and office buildings.
  • Work with borrowers and commercial lenders on restructuring troubled loans.
  • Review the closing documents and coordinate on closing and funding of commercial and commercial real estate loans.

Neil is asking for a base salary minimum of $64K.

Kindly call Jeanie Maher or Tom Szmanda at 847-325-5457 or email us at: jeanie@symicorgroup.com.