Real Estate Credit Analyst – Corporate Banking

Raymond James Ltd.; Toronto; On-site; CAD 75,000 - 85,000; Full time

Benefits offered by this job

Flexible workstyles

Health benefits

RRSP matching

Employee stock purchase plan

Paid time off

Tuition reimbursement

Job summary

Raymond James Ltd. in Toronto is seeking a Credit Analyst with 2-3 years of lending experience to support the Real Estate Banking team. You will review credit information for commercial clients and analyze complex financial data to aid credit decisions and maintain loan portfolios.

You will conduct due diligence, prepare memos, cash flow analyses, rent rolls, and credit presentations for senior management. A collaborative, client‑focused approach is essential.

Qualifications

• 2-3 years of working experience with a commercial real estate lender or investment firm.
• Ability to interpret and create rent rolls, operating statements and financial projections.
• Knowledge of commercial real estate investment industry (markets, players and terminology).
• Knowledge of real estate lending concepts, practices and procedures of credit analysis.
• Excellent customer service, interpersonal, written and verbal communications skills.
• Strong multi‑tasking and organizational skills; and
• Ability to be decisive, proactive and a team player.

Responsibilities

• Conduct due diligence investigations for prospective transactions, including analyzing loan investment memorandums and financial statements;
• Interpret findings and prepare various reports for the lending team in order to present to senior management for approval;
• Prepare and deliver written and oral credit presentations;
• Prepare spreadsheets, reports, summaries and monitor the financial position of established accounts and bring irregularities to higher level associates;
• Prepare report evaluations, ensuring compliance with organizational regulatory guidelines;
• Maintain documentation files and monitor compliance with terms of loan/accounts;
• Perform other duties and responsibilities as assigned.

Skills

Credit analysis

Real estate lending

Rent rolls

Financial statements

Customer service

Multitasking

Team player

Job description

Raymond James Ltd. in Toronto is seeking a Credit Analyst with 2-3 years of lending experience to support the Real Estate Banking team. You will review credit information for commercial clients and analyze complex financial data to aid credit decisions and maintain loan portfolios.

You will conduct due diligence, prepare memos, cash flow analyses, rent rolls, and credit presentations for senior management. A collaborative, client‑focused approach is essential.