Credit Analyst – Commercial & CRE Underwriting

Addison Group; Dallas (TX); On-site; USD 80,000 - 100,000; Full time

Benefits offered by this job

Health insurance

Dental coverage

Vision insurance

Paid time off

401(k) plan

Job summary

Addison Group is seeking a Credit Analyst to evaluate financial information, assess credit risk, and support lending decisions across commercial and real estate portfolios in Dallas, TX. The ideal candidate will review financial statements and communicate recommendations to lending teams and leadership.

Responsibilities include assigning risk classifications, underwriting with lending teams, documenting rationale, and contributing to portfolio risk management and regulatory submissions.

Qualifications

• Working knowledge of commercial and commercial real estate lending and underwriting principles.
• Familiarity with regulatory requirements and risk considerations applicable to commercial lending.
• Strong understanding of GAAP accounting principles and the ability to analyze corporate financial performance.
• 2+ years of experience of credit analysis within financial services.

Responsibilities

• Assign appropriate risk classifications and provide recommendations regarding the approval or decline of credit requests.
• Partner with lending teams on the underwriting, ongoing administration, monitoring, and reporting of commercial and commercial real estate loans.
• Support lenders in evaluating credit opportunities and documenting the rationale behind lending recommendations.
• Contribute to credit risk management activities, including portfolio analysis, stress testing, management reporting, board reporting, and regulatory submissions.
• Review financial documents such as balance sheets, income statements, cash flow information, and tax returns to evaluate an applicant's overall financial position and credit risk.
• Assess borrower strengths, weaknesses, repayment capacity, and other relevant factors to support informed lending decisions.

Job description

Addison Group is seeking a Credit Analyst to evaluate financial information, assess credit risk, and support lending decisions across commercial and real estate portfolios in Dallas, TX. The ideal candidate will review financial statements and communicate recommendations to lending teams and leadership.

Responsibilities include assigning risk classifications, underwriting with lending teams, documenting rationale, and contributing to portfolio risk management and regulatory submissions.