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real estate accounting and operations analyst
Building and Land Technology
Hospitality Asset Management Analyst
Building and Land Technology Stamford, Connecticut
Title: Hospitality Asset Management Analyst Location: Stamford, CT (On-site) Company Overview Building and Land Technology (BLT) is a vertically integrated real estate firm based in Stamford, CT, with a diverse portfolio of commercial, residential, mixed-use, and hospitality properties. BLT focuses on long-term ownership, operational excellence, and value creation across its portfolio. Position Summary BLT is seeking a Hospitality Asset Management Analyst to join our Stamford-based team. The primary function of this role is to provide analytical and operational support in creating and executing business plans for BLT's hospitality assets, which include hotels and related mixed-use properties. The Analyst will be actively involved in all aspects of operations, financial management, capital planning, and asset strategy, working closely with property managers, brand operators, and senior leadership. Key Responsibilities of the Hospitality Asset Management Analyst : Develop and implement business plans for hospitality assets, including property-specific goals and performance benchmarks. Perform financial modeling and analysis, including discounted cash flows, IRRs, variance analysis, and market studies. Support the negotiation and execution of management agreements, vendor contracts, and key operating partnerships. Assist in the preparation and review of property operating budgets, monthly financials, and variance reports. Prepare monthly, quarterly, and annual reporting for internal stakeholders and external partners. Provide support to capital markets initiatives, including debt financings, acquisitions, and dispositions. Collaborate with property managers and hotel brand operators to ensure operational efficiency, service excellence, and guest satisfaction. Identify and assess risks to asset performance in the near- and long-term; propose strategic solutions. Conduct market research to ensure asset positioning and competitiveness. Perform regular on-site property inspections. Foster and maintain strong relationships with operating partners, vendors, lenders, and other stakeholders. Qualifications & Requirements of the Hospitality Asset Management Analyst : Bachelor's degree required; concentration in business, finance, real estate, hospitality management, or accounting preferred. 2+ years of analytical experience with a focus in hospitality required. Strong foundation in real estate finance, with the ability to model financial scenarios and analyze results. Proficiency in Microsoft Excel, Word, and PowerPoint Excellent organizational skills and attention to detail. Strong written and verbal communication skills. Proactive, strategic, and analytical mindset. Results-oriented with the ability to manage multiple projects simultaneously. Benefits provided to the Hospitality Asset Management Analyst : Competitive salary with potential for bonus Medical Insurance Dental Insurance Vision Plan 401(k) Plan Life Insurance Paid Vacation Paid Sick Leave Paid Holidays Tuition Reimbursement Housing Discount BLT is an equal opportunity employer. Please note that this job description is intended to outline the general nature and key responsibilities of the role. It is not a comprehensive list, and duties may evolve over time based on business needs. Pm21 Powered by JazzHR PIdc654faa4d0e-0015
12/05/2025
Full time
Title: Hospitality Asset Management Analyst Location: Stamford, CT (On-site) Company Overview Building and Land Technology (BLT) is a vertically integrated real estate firm based in Stamford, CT, with a diverse portfolio of commercial, residential, mixed-use, and hospitality properties. BLT focuses on long-term ownership, operational excellence, and value creation across its portfolio. Position Summary BLT is seeking a Hospitality Asset Management Analyst to join our Stamford-based team. The primary function of this role is to provide analytical and operational support in creating and executing business plans for BLT's hospitality assets, which include hotels and related mixed-use properties. The Analyst will be actively involved in all aspects of operations, financial management, capital planning, and asset strategy, working closely with property managers, brand operators, and senior leadership. Key Responsibilities of the Hospitality Asset Management Analyst : Develop and implement business plans for hospitality assets, including property-specific goals and performance benchmarks. Perform financial modeling and analysis, including discounted cash flows, IRRs, variance analysis, and market studies. Support the negotiation and execution of management agreements, vendor contracts, and key operating partnerships. Assist in the preparation and review of property operating budgets, monthly financials, and variance reports. Prepare monthly, quarterly, and annual reporting for internal stakeholders and external partners. Provide support to capital markets initiatives, including debt financings, acquisitions, and dispositions. Collaborate with property managers and hotel brand operators to ensure operational efficiency, service excellence, and guest satisfaction. Identify and assess risks to asset performance in the near- and long-term; propose strategic solutions. Conduct market research to ensure asset positioning and competitiveness. Perform regular on-site property inspections. Foster and maintain strong relationships with operating partners, vendors, lenders, and other stakeholders. Qualifications & Requirements of the Hospitality Asset Management Analyst : Bachelor's degree required; concentration in business, finance, real estate, hospitality management, or accounting preferred. 2+ years of analytical experience with a focus in hospitality required. Strong foundation in real estate finance, with the ability to model financial scenarios and analyze results. Proficiency in Microsoft Excel, Word, and PowerPoint Excellent organizational skills and attention to detail. Strong written and verbal communication skills. Proactive, strategic, and analytical mindset. Results-oriented with the ability to manage multiple projects simultaneously. Benefits provided to the Hospitality Asset Management Analyst : Competitive salary with potential for bonus Medical Insurance Dental Insurance Vision Plan 401(k) Plan Life Insurance Paid Vacation Paid Sick Leave Paid Holidays Tuition Reimbursement Housing Discount BLT is an equal opportunity employer. Please note that this job description is intended to outline the general nature and key responsibilities of the role. It is not a comprehensive list, and duties may evolve over time based on business needs. Pm21 Powered by JazzHR PIdc654faa4d0e-0015
Building and Land Technology
Hospitality Asset Management Analyst
Building and Land Technology Stamford, Connecticut
Title: Hospitality Asset Management Analyst Location: Stamford, CT (On-site) Company Overview Building and Land Technology (BLT) is a vertically integrated real estate firm based in Stamford, CT, with a diverse portfolio of commercial, residential, mixed-use, and hospitality properties. BLT focuses on long-term ownership, operational excellence, and value creation across its portfolio. Position Summary BLT is seeking a Hospitality Asset Management Analyst to join our Stamford-based team. The primary function of this role is to provide analytical and operational support in creating and executing business plans for BLTs hospitality assets, which include hotels and related mixed-use properties. The Analyst will be actively involved in all aspects of operations, financial management, capital planning, and asset strategy, working closely with property managers, brand operators, and senior leadership. Key Responsibilities of the Hospitality Asset Management Analyst : Develop and implement business plans for hospitality assets, including property-specific goals and performance benchmarks. Perform financial modeling and analysis, including discounted cash flows, IRRs, variance analysis, and market studies. Support the negotiation and execution of management agreements, vendor contracts, and key operating partnerships. Assist in the preparation and review of property operating budgets, monthly financials, and variance reports. Prepare monthly, quarterly, and annual reporting for internal stakeholders and external partners. Provide support to capital markets initiatives, including debt financings, acquisitions, and dispositions. Collaborate with property managers and hotel brand operators to ensure operational efficiency, service excellence, and guest satisfaction. Identify and assess risks to asset performance in the near- and long-term; propose strategic solutions. Conduct market research to ensure asset positioning and competitiveness. Perform regular on-site property inspections. Foster and maintain strong relationships with operating partners, vendors, lenders, and other stakeholders. Qualifications & Requirements of the Hospitality Asset Management Analyst : Bachelors degree required; concentration in business, finance, real estate, hospitality management, or accounting preferred. 2+ years of analytical experience with a focus in hospitalityrequired. Strong foundation in real estate finance, with the ability to model financial scenarios and analyze results. Proficiency in Microsoft Excel, Word, and PowerPoint Excellent organizational skills and attention to detail. Strong written and verbal communication skills. Proactive, strategic, and analytical mindset. Results-oriented with the ability to manage multiple projects simultaneously. Benefits provided to the Hospitality Asset Management Analyst : Competitive salary with potential for bonus Medical Insurance Dental Insurance Vision Plan 401(k) Plan Life Insurance Paid Vacation Paid Sick Leave Paid Holidays Tuition Reimbursement Housing Discount BLT is an equal opportunity employer.Please note that this job description is intended to outline the general nature and key responsibilities of the role. It is not a comprehensive list, and duties may evolve over time based on business needs. Pm21 Powered by JazzHR PI908cf2-
12/04/2025
Full time
Title: Hospitality Asset Management Analyst Location: Stamford, CT (On-site) Company Overview Building and Land Technology (BLT) is a vertically integrated real estate firm based in Stamford, CT, with a diverse portfolio of commercial, residential, mixed-use, and hospitality properties. BLT focuses on long-term ownership, operational excellence, and value creation across its portfolio. Position Summary BLT is seeking a Hospitality Asset Management Analyst to join our Stamford-based team. The primary function of this role is to provide analytical and operational support in creating and executing business plans for BLTs hospitality assets, which include hotels and related mixed-use properties. The Analyst will be actively involved in all aspects of operations, financial management, capital planning, and asset strategy, working closely with property managers, brand operators, and senior leadership. Key Responsibilities of the Hospitality Asset Management Analyst : Develop and implement business plans for hospitality assets, including property-specific goals and performance benchmarks. Perform financial modeling and analysis, including discounted cash flows, IRRs, variance analysis, and market studies. Support the negotiation and execution of management agreements, vendor contracts, and key operating partnerships. Assist in the preparation and review of property operating budgets, monthly financials, and variance reports. Prepare monthly, quarterly, and annual reporting for internal stakeholders and external partners. Provide support to capital markets initiatives, including debt financings, acquisitions, and dispositions. Collaborate with property managers and hotel brand operators to ensure operational efficiency, service excellence, and guest satisfaction. Identify and assess risks to asset performance in the near- and long-term; propose strategic solutions. Conduct market research to ensure asset positioning and competitiveness. Perform regular on-site property inspections. Foster and maintain strong relationships with operating partners, vendors, lenders, and other stakeholders. Qualifications & Requirements of the Hospitality Asset Management Analyst : Bachelors degree required; concentration in business, finance, real estate, hospitality management, or accounting preferred. 2+ years of analytical experience with a focus in hospitalityrequired. Strong foundation in real estate finance, with the ability to model financial scenarios and analyze results. Proficiency in Microsoft Excel, Word, and PowerPoint Excellent organizational skills and attention to detail. Strong written and verbal communication skills. Proactive, strategic, and analytical mindset. Results-oriented with the ability to manage multiple projects simultaneously. Benefits provided to the Hospitality Asset Management Analyst : Competitive salary with potential for bonus Medical Insurance Dental Insurance Vision Plan 401(k) Plan Life Insurance Paid Vacation Paid Sick Leave Paid Holidays Tuition Reimbursement Housing Discount BLT is an equal opportunity employer.Please note that this job description is intended to outline the general nature and key responsibilities of the role. It is not a comprehensive list, and duties may evolve over time based on business needs. Pm21 Powered by JazzHR PI908cf2-
Credit Analyst
TRUSTBANK Olney, Illinois
Description: TrustBank is seeking a highly motivated Credit Analyst to join our growing team. The ideal candidate will possess a strong understanding of credit analysis principles, a high level of attention to detail, and a solid track record of providing sound recommendations. Job Description Job Title: Credit Analyst Department: Risk Management Reports To: AVP, Senior Credit Risk Manager FLSA Status: Exempt Type of Position: Full-Time Job Summary The Credit Analyst is responsible for assessing the creditworthiness of applicants across a variety of loan types, including commercial, real estate, agricultural (ideally, an emphasis on ag loan underwriting), and consumer. This role involves analyzing financial statements, tax returns, and cash flow to identify repayment capacity, financial trends, and peer performance year over year. The analyst will prepare detailed credit presentations that highlight the strengths, weaknesses, and risks of each loan relationship, provide collateral evaluations and loan-to-value calculations, and recommend appropriate risk ratings. While collaborating with loan officers throughout the underwriting process, the Credit Analyst must maintain independence in analysis, identify potential credit issues, and ensure compliance with internal policies and regulatory requirements. Primary Duties and Responsibilities Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information including independent online research. Prepare accurate financial spreads, ratio analyses, and cash flow models using spreadsheet and word processing tools. Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to value calculations, and a clear summary of strengths, weaknesses, and risks. Collaborate and communicate clearly with loan officers to assess client needs, loan structure, and pricing. Communicate directly with clients, as needed. Ensure credit analysis and presentations reflect adherence to internal credit policies, loan administration procedures, and regulatory requirements. Document policy or documentation exceptions, as well as prior-to-close conditions. Assign and recommend credit risk ratings in accordance with Loan Policy guidelines. Participate as a non-voting member of the Loan Committee meetings, exercising sound judgement and maintaining constructive communication. Determine whether requests for information should be furnished or refused based on confidentiality, requiring strong judgment and quick decision-making. Recognize irregular or suspicious transactions and take appropriate steps to prevent loss. Help ensure compliance with BSA/AML/OFAC regulations. Assist with annual loan reviews and portfolio monitoring as requested, including providing support to the Auditor during internal and external audits. Additional responsibilities as needed to support departmental and organizational goals. Traits/Characteristics of a Successful Credit Analyst Strong attention to detail and accuracy Analytical proficiency in quantitative and qualitative analysis Ability to think critically, exercise sound judgment, and provide independent recommendations Highly adaptable to portfolio volume demands Thorough risk assessment expertise Highly self-motivated Inquisitive and curious with a desire to understand why High level of integrity and professionalism with a strong ability to successfully navigate difficult or contentious conversations Working Conditions and Essential Functions The position is Monday through Friday, typically from 8 AM - 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. The Bank may consider a remote or hybrid work schedule based on the qualifications of the candidate and the needs of the Bank and the Risk Management team. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and or/bus (if position requires travel). Compensation and Benefits Total compensation for this position is $65,000 - $90,000. TrustBank provides a generous benefits offering, with details on our bank's website: TrustBank Core Values Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted. Disclosures TrustBank recognizes that people are our bank's strength, and we place a high value on diversity and inclusion. We do not discriminate based on any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization. Updated: September 16, 2025 Requirements: Education and/or Experience Bachelor's degree (B. S.) from a four-year college or university with a focus on finance, accounting, or economics and a minimum of 2-4 years of related experience preferably in a commercial banking environment. Required Skills and Abilities Advanced analytical and risk assessment skills, including a clear understanding of fractions and percentages. Ability to self-review and identify errors in written presentations, analysis, and reporting. Strong knowledge of financial accounting principles, economics, and credit analyst techniques with excellent problem-solving skills. Excellent report writing, grammar, and verbal communication skills. Ability to produce clear, professional credit presentations. Organizational and time management skills, including the ability to manage multiple priorities and deadlines. Broad understanding of loan policy, loan operations and overall bank procedures. Proficient in Microsoft Word and Excel with the ability to adapt Excel formats, data validations, formulas, conditional formatting, pivot tables, and financial modeling and analysis. Understanding of the bank's core processing system to meaningfully assemble data and generate reports. Compensation details: 0 Yearly Salary PIb49c54f5bf9f-6303
12/02/2025
Full time
Description: TrustBank is seeking a highly motivated Credit Analyst to join our growing team. The ideal candidate will possess a strong understanding of credit analysis principles, a high level of attention to detail, and a solid track record of providing sound recommendations. Job Description Job Title: Credit Analyst Department: Risk Management Reports To: AVP, Senior Credit Risk Manager FLSA Status: Exempt Type of Position: Full-Time Job Summary The Credit Analyst is responsible for assessing the creditworthiness of applicants across a variety of loan types, including commercial, real estate, agricultural (ideally, an emphasis on ag loan underwriting), and consumer. This role involves analyzing financial statements, tax returns, and cash flow to identify repayment capacity, financial trends, and peer performance year over year. The analyst will prepare detailed credit presentations that highlight the strengths, weaknesses, and risks of each loan relationship, provide collateral evaluations and loan-to-value calculations, and recommend appropriate risk ratings. While collaborating with loan officers throughout the underwriting process, the Credit Analyst must maintain independence in analysis, identify potential credit issues, and ensure compliance with internal policies and regulatory requirements. Primary Duties and Responsibilities Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information including independent online research. Prepare accurate financial spreads, ratio analyses, and cash flow models using spreadsheet and word processing tools. Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to value calculations, and a clear summary of strengths, weaknesses, and risks. Collaborate and communicate clearly with loan officers to assess client needs, loan structure, and pricing. Communicate directly with clients, as needed. Ensure credit analysis and presentations reflect adherence to internal credit policies, loan administration procedures, and regulatory requirements. Document policy or documentation exceptions, as well as prior-to-close conditions. Assign and recommend credit risk ratings in accordance with Loan Policy guidelines. Participate as a non-voting member of the Loan Committee meetings, exercising sound judgement and maintaining constructive communication. Determine whether requests for information should be furnished or refused based on confidentiality, requiring strong judgment and quick decision-making. Recognize irregular or suspicious transactions and take appropriate steps to prevent loss. Help ensure compliance with BSA/AML/OFAC regulations. Assist with annual loan reviews and portfolio monitoring as requested, including providing support to the Auditor during internal and external audits. Additional responsibilities as needed to support departmental and organizational goals. Traits/Characteristics of a Successful Credit Analyst Strong attention to detail and accuracy Analytical proficiency in quantitative and qualitative analysis Ability to think critically, exercise sound judgment, and provide independent recommendations Highly adaptable to portfolio volume demands Thorough risk assessment expertise Highly self-motivated Inquisitive and curious with a desire to understand why High level of integrity and professionalism with a strong ability to successfully navigate difficult or contentious conversations Working Conditions and Essential Functions The position is Monday through Friday, typically from 8 AM - 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. The Bank may consider a remote or hybrid work schedule based on the qualifications of the candidate and the needs of the Bank and the Risk Management team. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and or/bus (if position requires travel). Compensation and Benefits Total compensation for this position is $65,000 - $90,000. TrustBank provides a generous benefits offering, with details on our bank's website: TrustBank Core Values Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted. Disclosures TrustBank recognizes that people are our bank's strength, and we place a high value on diversity and inclusion. We do not discriminate based on any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization. Updated: September 16, 2025 Requirements: Education and/or Experience Bachelor's degree (B. S.) from a four-year college or university with a focus on finance, accounting, or economics and a minimum of 2-4 years of related experience preferably in a commercial banking environment. Required Skills and Abilities Advanced analytical and risk assessment skills, including a clear understanding of fractions and percentages. Ability to self-review and identify errors in written presentations, analysis, and reporting. Strong knowledge of financial accounting principles, economics, and credit analyst techniques with excellent problem-solving skills. Excellent report writing, grammar, and verbal communication skills. Ability to produce clear, professional credit presentations. Organizational and time management skills, including the ability to manage multiple priorities and deadlines. Broad understanding of loan policy, loan operations and overall bank procedures. Proficient in Microsoft Word and Excel with the ability to adapt Excel formats, data validations, formulas, conditional formatting, pivot tables, and financial modeling and analysis. Understanding of the bank's core processing system to meaningfully assemble data and generate reports. Compensation details: 0 Yearly Salary PIb49c54f5bf9f-6303
Commercial Credit Analyst I (Bank) / Req
Partners Bank Sanford, Maine
Commercial Credit Analyst I Department: Credit Administration Reports to: Commercial Credit Department Manager Supervises: None Status: Full Time / Exempt / Onsite Only Must already be authorized to work in the United States. Relocation is not provided. Partners Bank is a rapidly growing community bank with operations in Maine and New Hampshire that has established superior service level expectations. We offer generous compensation and benefits while fostering opportunities for growth and flexible work schedules when appropriate. Summary for the Commercial Credit Analyst I: Evaluate the financial condition of individuals and businesses applying for credit within Partners Bank. Assists with the engagement and review process of appraisals and evaluations related to commercial loans. Job Requirements for the Commercial Credit Analyst I: Bachelor's degree with a focus in either Business Administration, Accounting, Economics, or Finance or two years of accounting coursework and prior commercial credit analysis experience. Strong financial analytical abilities. Six months or more of experience with credit systems. Excellent verbal and written communication skills. Computer proficiency, including proficiency with Word and Excel and solid typing skills. Timeliness, ability to recognize and meet deadlines. Specific Job Functions for the Commercial Credit Analyst I: Analyze loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions. Perform independent analysis of a wide variety of commercial loan requests, including commercial and industrial and commercial real estate loan requests, in a timely manner. Analyze loan requests of all size and varying degrees of complexity based on experience. Work closely with lead staff to develop an assessment of risk identifying key strengths and weaknesses to determine a risk rating based on an eight point system defined in the commercial loan policy. Develop familiarity with the bank's commercial loan policy in order to identify any deviations from the policy. Become familiar with alternative structures to reduce credit risk. Complete a written analysis of each credit including any or all of the following, as applicable: a background summary of the borrowing entity, a management analysis, a financial analysis of the borrowing entity; an analysis of the traditional cash flow/debt service coverage of the borrowing entity; a collateral analysis; an analysis of any corporate or personal guarantors; financial and traditional cash flow analysis of any related entities; an assessment of the risks and the strengths of the credit; and a summary/recommendation supporting the proposed risk rating for each credit analyzed. Credits analyzed will usually be for basic loan requests with straightforward (single facility) organizations in common industries. Work closely with lead staff. Under direct supervision, with little opportunity for un-reviewed credit decision making. Establish, review and update new and existing loan files for SIS on a regular basis. Provide technical advice and assistance and completes special projects related to the Commercial Loan/Commercial Credit Department. Engage appraisers and evaluators as needed related to commercial loans. Review appraisals for compliance with USPAP as well as regulatory compliance related to applicable commercial loans. Review evaluations and price opinions for regulatory compliance related to applicable commercial loans. This Job Description for the Commercial Credit Analyst I describes the essential functions and qualifications of the job described. It is not an exhaustive statement of all the duties, responsibilities, or qualifications of the job. This document is not intended to exclude modifications consistent with providing reasonable accommodations for a disability. This is not a contract. Your signature will indicate that you have read this Job Description and understand the essential functions and qualifications for the job. PI6c44d35c114a-5780
12/01/2025
Full time
Commercial Credit Analyst I Department: Credit Administration Reports to: Commercial Credit Department Manager Supervises: None Status: Full Time / Exempt / Onsite Only Must already be authorized to work in the United States. Relocation is not provided. Partners Bank is a rapidly growing community bank with operations in Maine and New Hampshire that has established superior service level expectations. We offer generous compensation and benefits while fostering opportunities for growth and flexible work schedules when appropriate. Summary for the Commercial Credit Analyst I: Evaluate the financial condition of individuals and businesses applying for credit within Partners Bank. Assists with the engagement and review process of appraisals and evaluations related to commercial loans. Job Requirements for the Commercial Credit Analyst I: Bachelor's degree with a focus in either Business Administration, Accounting, Economics, or Finance or two years of accounting coursework and prior commercial credit analysis experience. Strong financial analytical abilities. Six months or more of experience with credit systems. Excellent verbal and written communication skills. Computer proficiency, including proficiency with Word and Excel and solid typing skills. Timeliness, ability to recognize and meet deadlines. Specific Job Functions for the Commercial Credit Analyst I: Analyze loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions. Perform independent analysis of a wide variety of commercial loan requests, including commercial and industrial and commercial real estate loan requests, in a timely manner. Analyze loan requests of all size and varying degrees of complexity based on experience. Work closely with lead staff to develop an assessment of risk identifying key strengths and weaknesses to determine a risk rating based on an eight point system defined in the commercial loan policy. Develop familiarity with the bank's commercial loan policy in order to identify any deviations from the policy. Become familiar with alternative structures to reduce credit risk. Complete a written analysis of each credit including any or all of the following, as applicable: a background summary of the borrowing entity, a management analysis, a financial analysis of the borrowing entity; an analysis of the traditional cash flow/debt service coverage of the borrowing entity; a collateral analysis; an analysis of any corporate or personal guarantors; financial and traditional cash flow analysis of any related entities; an assessment of the risks and the strengths of the credit; and a summary/recommendation supporting the proposed risk rating for each credit analyzed. Credits analyzed will usually be for basic loan requests with straightforward (single facility) organizations in common industries. Work closely with lead staff. Under direct supervision, with little opportunity for un-reviewed credit decision making. Establish, review and update new and existing loan files for SIS on a regular basis. Provide technical advice and assistance and completes special projects related to the Commercial Loan/Commercial Credit Department. Engage appraisers and evaluators as needed related to commercial loans. Review appraisals for compliance with USPAP as well as regulatory compliance related to applicable commercial loans. Review evaluations and price opinions for regulatory compliance related to applicable commercial loans. This Job Description for the Commercial Credit Analyst I describes the essential functions and qualifications of the job described. It is not an exhaustive statement of all the duties, responsibilities, or qualifications of the job. This document is not intended to exclude modifications consistent with providing reasonable accommodations for a disability. This is not a contract. Your signature will indicate that you have read this Job Description and understand the essential functions and qualifications for the job. PI6c44d35c114a-5780

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