Credit Analyst CRE

Raymond James Financial, Inc.; Pittsburgh (Allegheny County); On-site; USD 60,000 - 106,000; Full time

Benefits offered by this job

Benefits package

Parental leave

Retirement savings

Job summary

Raymond James Financial, Inc. is seeking a Credit Analyst to support commercial lenders and underwriters by analyzing cash flow statements, rent rolls, collateral, and guarantor financials. You will upload docs, track compliance, and assist in market reporting within a collaborative team.

The role requires 2–5 years of relevant experience, a finance or accounting degree, and strong Excel and data interpretation skills to drive accurate credit decisions and portfolio oversight.

Qualifications

• Ability to read, analyze and interpret complex financial statements and loan documentation.
• Proven capability to present analysis clearly in writing and verbally.
• Experience with financial modeling for credit analysis.

Responsibilities

• Support portfolio managers and underwriters as initial data entry point for client financial data.
• Generate reports tracking receipt and progression of financial reporting and covenant compliance.
• Gather market research from sources like CoStar, REIS for quarterly market reporting.
• Review and interpret financial statements for quarterly reviews and credit policy compliance.

Skills

Financial analysis

Cash flow analysis

Data interpretation

Advanced Excel

Education

Finance degree

Accounting degree

Tools

CoStar

REIS

Microsoft Excel

Job description

Job Description Summary The Credit Analyst supports commercial lenders and underwriters with the analysis and entry of cash flow statements (historical and projected), rent rolls, collateral, market data and guarantor financials into commercial database. Assists in monitoring requests for and receipt of borrowers’ financial statements. Uploads supporting documentation and tracks/verifies compliance using standard tools and processes for Bank audits and exams. The Credit Analyst works collaboratively with the Line of Business and Portfolio Analysts to resolve data inconsistencies and incorrect or missing information to ensure the accuracy of market analysis and portfolio reporting.

Job Description Primary Functions of the Position: Provide support to market Portfolio Managers and Underwriters as the initial Point-of-Entry for client financial data including financial statements, rent rolls, personal financial statements, and global cash flow. Generate various reports to track receipt and progression of financial reporting, covenant compliance, leasing status and quarterly periodic reviews. Gather market research by assembling information from various sources including CoStar, REIS and/or other data resources for quarterly market reporting Reviews and analyzes financial statements and interprets findings for the preparation of quarterly periodic reviews (QPRs) ensuring timely compliance with credit policy and procedure.

Education and Experience Requirements: Bachelor’s Degree in finance, accounting or related field, or equivalent combination of education and experience. 2-5 years of relevant direct commercial, cash management or private banking experience. General familiarity with CRE and/or C&I underwriting experience.

Essential Skills and Abilities: Ability to read, analyze and interpret complex financial and loan documentation. Demonstrated ability to clearly present analysis in a written and verbal manner. Ability to define problems, collect data, establish facts and draw valid conclusions. Knowledge of and experience using financial modeling for credit analysis. Advanced Microsoft excel skills and general proficiency using Microsoft Office suite.

Education Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: Finance

Work Experience General Experience - 3 to 6 years Certifications Salary Range $60,000.00-$106,000.00 Travel Less than 25% Workstyle Resident

The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions.

This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.

We expect our associates at all levels to:

• Grow professionally and inspire others to do the same
• Work with and through others to achieve desired outcomes
• Make prompt, pragmatic choices and act with the client in mind
• Take ownership and hold themselves and others accountable for delivering results that matter
• Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive.

The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.

Raymond James is a diversified financial services company providing wealth management, capital markets, asset management, banking and other services to individuals, corporations and municipalities.

Founded in 1962 in St. Petersburg, Florida, rather than on Wall Street, we have always embraced being a different kind of financial services firm.

Today, Raymond James has locations and subsidiaries across the United States, Canada, the United Kingdom and Germany, and is listed on the New York Stock Exchange under the symbol RJF.

Our business is deeply focused on people and their financial well-being. We're committed to helping individuals, corporations and institutions achieve their goals, while also supporting successful professionals and helping our communities prosper.

We believe doing well and doing good aren't mutually exclusive.

As an established but ever-evolving company, you can start – or continue – growing your career here.

We invest in you with wide-ranging benefits and the support of leaders and colleagues who care.

From development opportunities and enriching networking groups to prioritizing diversity, inclusion and the power of different perspectives, Raymond James is where good people grow.

Our people-first culture is outlined in our Culture Blueprint. Check it out to see why many choose to work at Raymond James – and why they stay.