CREDIT ANALYST

FirstBank Florida; Miami (FL); Presencial; USD 70.000 - 110.000; Jornada completa

Descripción de la vacante

FirstBank Florida in Miami seeks an experienced CRE Underwriter to assess commercial real estate, multifamily, and business loan requests. You will determine credit viability and ensure adherence to underwriting standards.

Responsibilities include preparing CAMs with cash flow analysis, DSCR, rent-roll reviews, and presenting files to approval authorities. Strong English/Spanish communication and familiarity with nCino or Fiserv are preferred for this role.

Formación

• Minimum two years' experience in banking or lending practices.
• English/Spanish communication required.
• Able to work flexible hours during peak times.
• Working knowledge with nCino or Fiserv preferred.

Responsabilidades

• Underwrite and analyze CRE, multifamily, and business loan packages.
• Ensure compliance with credit, underwriting standards, and policies.
• Prepare CAMs including credit analysis, cash flow, and DSCR.
• Review rent rolls and leases and related documents.
• Present loan files to approval authorities with recommendations.
• Maintain ongoing communication with loan officers and customers.

Conocimientos

English/Spanish communication

Herramientas

nCino

Fiserv

Descripción del empleo

ESSENTIAL RESPONSIBILITIES

• Responsible for the underwriting and credit analysis of commercial real estate (CRE), multifamily and business loans to determine feasibility and credit risk of granting loans.
• Assure that the loan package complies with credit, underwriting standards and lending/credit policies.
• Prepare and/or review the completion of credit approval memorandums (CAM's), includin_g credit analysis, collateral cash flow analysis, debt service coverage ratios, rent roll and lease analysis, purchase contract and loan special conditions to present to the representative approval authority committee.
• Present loan file to the loan officer, senior credit officer or lending authority for discussion and conclusion including the department recommendation to Management and/or Credit Committee. The underwriter must inform the Senior Credit Officer of any material risk factors, discrepancies or deviations discovered during the preparation and/or review of the CAM, its underwriting, credit analysis and due-diligence.
• Underwrite and analyze loan packages of bank (retail) programs by evaluating and reviewing loan application, corporate and personal financial statements, corporate and personal tax return, appraisal reports, environmental reports and other related loan information and supporting documentation.
• Maintain ongoing communication with the loan officer and customer to provide information on transaction status, clarify any discrepancies with the customers' account or instructions; resolve problems, concerns/doubts.
• May assist Senior Credit Officer with loan policies and procedures, quality control matters, loan review and underwriting.

COMPETENCIES

• Building strong relations
• Communication
• Business acumen
• Problem analysis & solution
• Ownership
• Vision & values
• Collaboration & teamwork
• Development (personal & others)
• Change & innovation

SUPERVISORY RESPONSIBILITIES

This position has no supervisory responsibilities.

WORK ENVIRONMENT

Work is performed in a bank environment. Employees are exposed to external elements when representing the corporation at external events and may be required to work extended hours, including holidays, should these coincide with the company ever.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to sit, stand, walk and/or maneuver around the office.

Ability to lift and/or move up to 10 pounds.

REQUIRED EDUCATION AND EXPERIENCE

• Minimum two years' experience of banking/lending practices or related field
• English/Spanish communication required due to high volume of Hispanic customers
• Able to work flexible hours according to department needs during peak time
• Working knowledge with nCino or Fiserv preferred

DISCLAIMER

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not indented to be an exhaustive list of all responsibilities, duties, skills required of personnel so classified. The reporting relationship may not reflect the most recent changes to the corporate reporting structure.