Support the Commercial Real Estate (CRE) homebuilder finance business
Underwrite and manage credit exposure for privately held homebuilders and housing capital sponsors
Partner with origination and portfolio management teams
Oversee accurate and consistent financial statement spreading
Prepare quarterly trend analyses and monitoring reports
Perform covenant testing and ensure compliance with bank credit policies and spreading standards
Analyze financial data and prepare comprehensive written credit analyses
Evaluate portfolio credit quality and risk ratings
Support industry and sector reviews
Collaborate with internal stakeholders to prepare and present credit requests for approval
Maintain compliance monitoring and financial reporting databases to track credit agreement requirements, borrower financial reporting, covenant compliance, and key credit metrics

Bachelor’s degree, or equivalent work experience
Three to five years of experience in a finance / analytical-related role
Background in economics, accounting, and/or finance with the ability to apply that knowledge to lending and credit risk analysis
Experience supporting commercial or corporate banking portfolios, underwriting, or credit analysis
Strong financial analysis skills, including covenant testing, credit modeling, and trend analysis
Ability to prepare clear, well-structured written credit analyses and technical reports
Strong verbal and written communication skills with the ability to communicate risk and issues effectively to internal partners
Ability to independently execute straightforward credit requests for new and existing clients and collaborate with Credit Approvers
Proficiency in Microsoft Office, particularly Excel
Experience using AI is a plus

Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

CRE Credit Analyst – Homebuilder Finance

Key skills