Sr Commercial Real Estate Credit Analyst (Banking)

Ascendo Resources, LLC; Miami (FL); On-site; USD 100,000 - 140,000; Full time

Job summary

Ascendo Resources, LLC is seeking a Senior Credit Analyst to support our CRE lending platform with underwriting, structuring, and ongoing monitoring across asset classes.

The candidate will evaluate borrower and guarantor credit strength, analyze property-level cash flows (NOI, DSCR, LTV), prepare and defend credit packages, and present recommendations to Credit Committees. Experience in bank underwriting and CRE markets is required.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business, or related field.
• 5+ years of CRE credit underwriting experience.
• Experience underwriting at a Bank, on different asset types: 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.

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.

Skills

Financial modeling

Cash flow analysis

Excel proficiency

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 underwriting at a Bank, on different asset types: 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.