Senior Commercial Real Estate Credit Analyst

Ascendo Resources; Miami (FL); On-site; USD 95,000 - 125,000; Full time

Job summary

Ascendo Resources is seeking a Senior Credit Analyst for our financial institution client’s CRE lending platform in Miami. The role emphasizes underwriting, structuring, and monitoring complex CRE transactions across asset classes, with a focus on presenting recommendations to Credit Committees and supporting policy compliance.

The ideal candidate has 5+ years CRE underwriting experience, advanced financial modeling, and strong communication skills to interact with senior leadership.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 5+ years CRE credit underwriting experience.
• Experience across CRE types: multifamily, office, industrial, retail, hospitality.
• Strong financial modeling and cash-flow analysis.
• Experience reviewing tax returns, sponsor statements, and guarantor exposure.
• Experience preparing and defending credit approval packages.
• Advanced Excel and financial analysis skills.
• Strong written and verbal communication skills.

Responsibilities

• Analyze and underwrite complex CRE transactions across asset classes.
• Assess acquisitions, construction/development, lease-up, and stabilized assets.
• Evaluate borrower and guarantor financial strength.
• Analyze property-level cash flow: NOI, DSCR, debt yield, LTV.
• Perform stress testing and sensitivity analyses.
• Review market studies, appraisals, rent comps, and collateral valuations.
• Structure loan terms: amortization, covenants, guarantees, reserves, recourse.
• Present recommendations to senior credit leadership and Credit Committees.
• Conduct annual reviews and ongoing portfolio monitoring.
• Support credit policy compliance and regulatory expectations.
• Mentor and assist junior credit analysts.

Skills

Financial modeling

Cash flow analysis

Communication skills

Education

Bachelor's degree in Finance, Accounting, Economics, Business, or related field

Tools

Excel

Job description

A well-established financial institution is seeking an experienced Senior Credit Analyst to support its Commercial Real Estate (CRE) lending platform. This individual will play a critical role in underwriting, structuring, and monitoring complex CRE transactions across multiple asset classes. The ideal candidate will possess strong commercial real estate credit expertise, exceptional financial analysis skills, and experience presenting recommendations to Credit Committees

Key Responsibilities

• Analyze and underwrite complex CRE transactions including
• Acquisitions
• Construction and development
• Lease-up transactions
• Stabilized assets
• Evaluate borrower and guarantor financial strength.
• Analyze property-level cash flow and performance metrics including: NOI, DSCR, Debt Yield, LTV
• Perform stress testing and sensitivity analysis.
• Review market studies, appraisals, rent comparables, and collateral valuations.
• Structure loan terms including: amortization, covenants, guarantees, reserves, and recourse provisions.
• Present recommendations to senior credit leadership and Credit Committees.
• Conduct annual reviews and ongoing portfolio monitoring.
• Support credit policy compliance and regulatory expectations.
• Mentor and assist junior credit analysts.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business, or related field.
• 5+ years of CRE credit underwriting experience.
• Experience across multiple CRE property types including multifamily, office, industrial, retail, and hospitality.
• Strong financial modeling and cash flow analysis capabilities.
• Experience reviewing tax returns, sponsor financial statements, and guarantor exposure.
• Experience preparing and defending credit approval packages.
• Advanced Excel and financial analysis skills.
• Strong written and verbal communication skills.