Sponsor Credit Review Analyst

Overview Description The Sponsor Credit Review Analyst is responsible for assisting with the completion of sponsor reviews and due diligence processing for multifamily or healthcare sponsors for the Real Estate Investment team. The Sponsor Credit Review Analyst will be expected to complete annual sponsor reviews that will assist in the IRE Underwriting process that gets presented to Real Estate Loan Committee. The sponsor credit review analyst shall analyze sponsor relationships by creating financial cashflow and valuation models, undertaking due diligence responsibilities, and assisting with the presentation of a loan’s risks and mitigants under a wide range of scenarios to Loan Committee. Responsibilities Prepares and reviews due diligence process, underwriting and valuation models. Prepares and reviews Sponsor Credit Reviews consistent with Investment Real Estate’s requirement. Prepare and summarize Sponsor Credit Reviews to present to internal and external users. Summarizes historical property operations. Performs credit and financial analysis of guarantors and sponsors. Conducts real estate tax verification and analysis. Reviews third party reports including property appraisals, physical needs assessments, environmental reports. Acts as a conduit for credit, originators, and the due diligence process. Responsible for aiding in training and mentorship for other analysts. Performs other duties and projects assigned. Works professionally and harmoniously with team and coworkers. Qualifications Bachelor’s degree from an accredited college or university with a focus in Finance, Business or Real Estate or related field preferred. Zero to three years of multifamily agency/bridge underwriting experience Experience with HUD, Fannie Mae and/or Freddie Mac Multifamily loan programs preferred. Understanding of bridge, conduit, CMBS and bank underwriting standards for loans secured by multifamily or healthcare preferred. Strong credit mindset with, ideally, experience in credit training. Ability to read, analyze and interpret complex documents and financial statements. Highly analytical thinking with demonstrated talent for identifying, scrutinizing, improving, and streamlining complex work processes and risks. Applicable knowledge of Microsoft Office suite. Benefits Merchants offers a comprehensive package of benefits for eligible employees, including, but not limited to: 401(k) employer contributions; employee stock ownership plan (ESOP); medical, dental and vision insurance; various types of leaves of absence, including paid time off, paid holidays, paid leave as provided under state and local paid leave laws, and short-term and long-term disability; health savings accounts (HSAs), flexible spending accounts (FSAs), dependent care and commuter reimbursement accounts, employee and dependent life insurance and supplemental life and AD&D insurance; telehealth, optional ancillary insurance policies, education assistance, and an employee assistance program. Eligibility for benefits is governed by the applicable plan documents and policies. #J-18808-Ljbffr Merchants Capital