Senior Analyst

Overview

This role supports collateral evaluation and credit risk analysis for loans underwritten by the Lending department, along with ongoing portfolio management of existing credits. The position interfaces with external clients to collect due diligence information, facilitate collateral evaluation, and analyze credit information to prepare credit packages for submission for credit approval.

The hire date is ASAP. Position type: Full-time (Remote or Lakeland, FL). Salary is negotiable based on experience, with a competitive benefits package and bonus opportunity.

Responsibilities

• Serve as an active member of a deal team by collecting information needed to analyze underlying collateral land, determine financial condition, and assess creditworthiness of loan applicants.
• Interact directly with external clients to collect, organize, and review borrower, guarantor, collateral, and transaction due diligence information; identify missing items and coordinate follow-up with internal and external stakeholders.
• Prepare and manage appraisal bid requests to evaluate collateral.
• Ensure loans adhere to credit policy, are properly risk rated, and are priced according to risk.
• Communicate underwriting findings clearly during the underwriting process, both orally and in writing.
• Support pre-closing activities by confirming satisfaction of underwriting requirements, tracking outstanding conditions, and coordinating documentation and information needed for closing.
• Perform other duties as assigned.

Requirements

• Bachelor’s degree in Business, Economics, Finance, Accounting or Agriculture; preferred.
• 3+ years of credit analysis or portfolio management experience.
• Basic knowledge of real estate industry.
• Extensive knowledge of Excel and basic accounting principles.
• Strong analytical skills.
• Detail-oriented and highly organized; able to multi-task.
• Proficiency in Microsoft Office suite (Outlook, Excel, Word, PowerPoint, etc.).
• Excellent written and oral communication skills.
• Ability to manage competing priorities in a fast-paced environment.

Preferred Qualifications

• Preferred: Bachelor’s degree in Business, Economics, Finance, Accounting or Agriculture.

Compensation & Benefits

• Salary negotiable based on experience
• Competitive benefits package
• Bonus opportunity
• Flexible work schedule
• Generous time off
• Health/dental/vision insurance
• 401k program

Location

Full-time (Remote or Lakeland, FL).

Travel and Physical Requirements

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at times.
• Occasional travel may be required.