Credit Analyst CRE

Credit AnalystThe Credit Analyst supports commercial lenders and underwriters with the analysis and entry of cash flow statements (historical and projected), rent rolls, collateral, market data and guarantor financials into commercial database. Assists in monitoring requests for and receipt of borrowers' financial statements. Uploads supporting documentation and tracks/verifies compliance using standard tools and processes for Bank audits and exams. The Credit Analyst works collaboratively with the Line of Business and Portfolio Analysts to resolve data inconsistencies and incorrect or missing information to ensure the accuracy of market analysis and portfolio reporting.Primary Functions of the Position:Provide support to market Portfolio Managers and Underwriters as the initial Point-of-Entry for client financial data including financial statements, rent rolls, personal financial statements, and global cash flow.Generate various reports to track receipt and progression of financial reporting, covenant compliance, leasing status and quarterly periodic reviews.Gather market research by assembling information from various sources including CoStar, REIS and/or other data resources for quarterly market reportingReviews and analyzes financial statements and interprets findings for the preparation of quarterly periodic reviews (QPRs) ensuring timely compliance with credit policy and procedure.Education and Experience Requirements:Bachelor's Degree in finance, accounting or related field, or equivalent combination of education and experience.2-5 years of relevant direct commercial, cash management or private banking experience.General familiarity with CRE and/or C&I underwriting experience.Essential Skills and Abilities:Ability to read, analyze and interpret complex financial and loan documentation.Demonstrated ability to clearly present analysis in a written and verbal manner.Ability to define problems, collect data, establish facts and draw valid conclusions.Knowledge of and experience using financial modeling for credit analysis.Advanced Microsoft excel skills and general proficiency using Microsoft Office suite.At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view. We expect our associates at all levels to: Grow professionally and inspire others to do the same; Work with and through others to achieve desired outcomes; Make prompt, pragmatic choices and act with the client in mind; Take ownership and hold themselves and others accountable for delivering results that matter; Contribute to the continuous evolution of the firm.At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.