Commercial Real Estate Credit Analyst

Commercial Real Estate Credit Analyst – Dallas, TX Sunflower Bank, N.A. is seeking a detail-oriented and highly motivated Commercial Real Estate Credit Analyst to support our Commercial Real Estate Portfolio Managers in all aspects of daily activities. Responsibilities Become efficient in the use of all system and procedures used by the portfolio management group in its daily functioning including spreading software, projection and modeling software, credit approval software and formats for all formal credit recommendations of various types. Be a strong source of support to PMs by producing inputs vital to the latter’s various projects such as financial spreads, charts, models and other components; such projects to include new extensions of credit, amendments/waivers, annual reviews, and other assignments. Acquire a basic understanding of the bank’s metrics and conditions for extending credit to its client applying that understanding on a daily basis. Acquire a basic understanding of the bank’s metrics and conditions for tracking its client’s operating/financial performance after a loan is made including covenant and borrowing base compliances. Become the department’s expert for performing industry overviews summarizing those industry conditions most affecting the operating/financial performance of the bank’s prospects and clients. Become familiar with loan documentation and be able to produce summaries of important loan conditions and collateral structures. Become familiar with loan pricing and be able to produce summaries of a client’s profitability and the return on bank equity produced by its relationship with the bank. Gain an understanding of ancillary products important to building the bank’s relationship with its commercial/corporate clients and assist representatives of those product areas when necessary. Education / Experience Preferred Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree. 1+ years in commercial real estate lending and credit analysis. Must possess a solid understanding of commercial real estate lending processes and understanding of commercial real estate asset classes (office, retail, industrial, multifamily) and market trends. Must possess excellent Microsoft Office Suite skills, specifically Word/Excel. Must possess aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System. Must possess excellent verbal and written communication skills. Must possess ability to prioritize and complete tasks or projects on time with a high level of accuracy and strong attention to detail. Must have the ability to remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally. Ability to handle sensitive information with complete confidentiality and professionalism. Must possess ability to understand financial statements, including balance sheets, income statements, and cash flow statements. Travel will be required, as needed. Pay is dependent on knowledge, skills, abilities, experience, and location. Working Conditions The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus. Benefits 401(k) Plan with 6% Match Health/Dental/Vision Insurance Company-paid Life Insurance Tuition Reimbursement Fitness Reimbursement Paid Time Off Volunteer Leave Paid Holidays Associates enjoy outstanding benefits and incentives that support our team culture. EOE/AA: Minorities/Females/Disabled/Vets Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law. If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location-specific notices is available on our privacy policy. #J-18808-Ljbffr