Commercial Credit Analyst

Commercial Credit Analyst II Location: Miami, FL Type of Work I: In Office Schedule: Full-time | Monday to Friday Type of Contract: Direct Hire | Permanent Pay Rate: Based on experience Description We are seeking a detail-oriented and analytical Commercial Credit Analyst II to support a well-established financial institution within the banking and commercial lending industry. This role is responsible for underwriting and credit analysis of commercial real estate (CRE), multifamily, and commercial/business loan transactions. The ideal candidate will have experience evaluating financial risk, reviewing complex financial documentation, and supporting lending decisions within a fast-paced banking environment. This position works closely with senior credit leadership, loan officers, and internal stakeholders to ensure accurate and compliant credit recommendations. Responsibilities and Duties Perform underwriting and credit analysis for commercial real estate, multifamily, and business loans Evaluate financial feasibility and credit risk associated with lending opportunities Review and analyze loan applications, financial statements, tax returns, appraisals, environmental reports, and supporting documentation Prepare and review Credit Approval Memorandums (CAMs) Conduct collateral cash flow analysis, debt service coverage ratio (DSCR) calculations, rent roll reviews, lease analysis, and review of purchase agreements Ensure loan packages comply with internal credit policies and underwriting standards Present loan recommendations and findings to senior credit leadership and lending committees Identify and communicate material risk factors, discrepancies, or deviations discovered during underwriting and due diligence Maintain communication with loan officers and customers regarding transaction status, documentation requests, and issue resolution Support quality control initiatives, loan review processes, and additional underwriting projects as needed Requirements Minimum 2 years of experience in commercial banking, lending, underwriting, or related financial analysis roles Experience with commercial real estate (CRE), multifamily, or commercial/business lending preferred Strong understanding of financial statement analysis and credit risk evaluationAbility to review and interpret tax returns, cash flow statements, and supporting financial documentation Bilingual English/Spanish required due to client demographics Ability to work flexible hours during peak business periods Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred Skills Commercial credit analysis Underwriting Financial statement analysis Credit risk assessment DSCR and cash flow analysis Attention to detail Analytical and problem-solving skills Strong communication skills Relationship management Organizational and time management abilities Collaboration and teamwork At ttg, "We believe in making a difference One Person at a Time." #J-18808-Ljbffr ttg Talent Solutions, Inc.