Commercial Credit Analyst

Ascendo Resources

Miami (FL)

Hybrid

USD 90,000 - 110,000

Full time

14 days+

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Benefits offered by this job

Medical insurance

Vision insurance

401(k)

Robust health and wellness coverage

Collaborative culture focused on professional advancement

Flexible hybrid work arrangement

Highly competitive annual compensation

Job summary

A financial institution in Miami is seeking an Associate in Finance. The role requires expertise in credit assessment within commercial real estate and involves synthesizing complex financial data to evaluate borrowers. Candidates should have over 2 years of experience in financial analysis and a strong ability to draft credit memorandums. The position offers a competitive salary, medical and vision insurance, a 401(k), and flexible hybrid working arrangements.

Qualifications

2+ years in credit assessment specifically within the commercial real estate sector.
Prior experience performing financial analysis within a community-focused banking environment.
Advanced capability in drafting formal credit memorandums and presenting findings to decision-makers.

Responsibilities

Synthesize complex financial statements and cash flow data to evaluate potential and current borrowers.
Generate comprehensive internal risk assessments and lending recommendations.
Manage a diverse portfolio of accounts adhering to risk guidelines.
Partner with stakeholders to ensure accuracy in asset quality.
Formulate projections and ratio analyses for real estate investments.

Skills

Credit assessment

Financial analysis

Credit memorandum drafting

Identifying financial trends

Risk management

Job description

Base Pay Range

$90,000.00/yr - $110,000.00/yr

Additional Compensation Types

Annual Bonus
Direct message the job poster from Ascendo Resources

Job Overview

Ascendo is excited to present this opportunity in the banking industry. We are looking for a sharp, career-minded individual to step into this amazing opportunity with a financial institution that is on an upward trajectory. This role is perfect for a dedicated professional who brings a sophisticated background in local community banking and a high level of technical proficiency in commercial real estate lending. The ideal candidate will possess a proven track record of evaluating complex financial data and a deep familiarity with the Florida commercial property landscape, ensuring every risk is measured with precision and expertise.

Responsibilities

Synthesize complex financial statements and cash flow data to evaluate the stability of potential and current borrowers.
Generate comprehensive internal risk assessments and lending recommendations to support the loan approval process.
Manage a diverse portfolio of existing accounts to ensure ongoing adherence to institutional risk guidelines and regulatory standards.
Partner with internal stakeholders to uphold the highest levels of accuracy in the bank's asset quality and risk mitigation strategies.
Formulate detailed projections and ratio analyses to determine the long‑term viability of commercial real estate investments.

Qualifications

2+ years in credit assessment specifically within the commercial real estate sector.
Prior experience performing financial analysis within a community‑focused banking environment.
Advanced capability in drafting formal credit memorandums and presenting findings to decision‑makers.
Exceptional aptitude for identifying financial trends and solving intricate credit‑related challenges.
Strong commitment to maintaining rigorous risk management protocols and internal policy compliance.

Benefits