Senior Commercial Credit Analyst

Ascendo Resources; Miami (FL); On-site; USD 125,000 - 200,000; Full time

Job summary

A banking institution in Miami is seeking a Senior Commercial Credit Analyst to perform in-depth financial analysis and assess credit risk for complex commercial loan requests. The ideal candidate will have over 5 years of experience, a relevant degree, and strong analytical skills, along with proficiency in financial software and Excel. This role offers a competitive salary range of $125,000 - $200,000.

Qualifications

• 5+ years of commercial credit analysis or underwriting experience in banking or financial services.
• Strong understanding of C&I, CRE, and SBA lending.
• Excellent analytical, written, and verbal communication skills.

Responsibilities

• Conduct comprehensive financial analysis of borrowers, including review of financial statements.
• Prepare detailed credit memos and underwriting packages.
• Evaluate collateral and perform loan structure analysis.

Skills

Financial analysis

Credit risk assessment

Communication skills

Attention to detail

Education

Bachelor’s degree in Finance, Accounting, Economics, or a related field

MBA or CFA

Tools

Financial spreading software

Microsoft Excel

Job description

Senior Commercial Credit Analyst to join a banking institution. Performing in-depth financial analysis, assessing credit risk and providing well-supported recommendations on complex commercial loan requests.

Key Responsibilities

• Conduct comprehensive financial analysis of middle‑market and commercial borrowers, including review of financial statements, tax returns, and cash flow projections.
• Prepare detailed credit memos and underwriting packages with risk assessments and recommendations for approval.
• Evaluate collateral and perform loan structure analysis to ensure appropriate risk mitigation.
• Collaborate with relationship managers, loan officers, and portfolio managers on new and existing credit requests.
• Monitor borrower performance and identify early warning signs of credit deterioration.
• Assist in portfolio management, including renewals, modifications, and annual reviews.
• Ensure all analyses comply with internal credit policies and regulatory requirements.
• Mentor junior analysts by reviewing work, sharing best practices, and providing technical guidance.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or a related field; MBA or CFA a plus.
• 5+ years of commercial credit analysis or underwriting experience in banking or financial services.
• Strong understanding of C&I, CRE, and SBA lending.
• Proficiency with financial spreading software and Microsoft Excel.
• Excellent analytical, written, and verbal communication skills.
• Strong attention to detail and ability to meet deadlines in a fast‑paced environment.

Senior Credit Analyst – Market Investor CRE

Location: Miami Beach, FL

Salary: $125,000 - $200,000