The Credit Risk Senior Analyst is expected to be fully proficient with commercial real estate finance concepts/principles and their application to various property types. Analysts must be able to complete annual reviews on complex properties and borrowers to derive appropriate risk ratings and evaluate expected future performance. Analysts will be expected to review annual property operating statements and rent rolls/lease summaries of properties secured by Chase commercial real estate loans, and then compare the results of the operating analysis to local market conditions and underwriting in order to determine the overall performance of the property within the market and to identify any potential risk of default. Analysts will also be expected to analyze Borrower and Guarantor personal financial statements to derive net worth and liquidity, and determine appropriate property, entity and guarantor risk ratings. Analysts are expected to document and support all concluded risk ratings.
In addition, the Credit Risk Senior Analyst will also be expected to perform field property inspections identifying overall property condition with any associated risk issues. The Analyst will interact with Borrowers, Credit Executives, and other parties, both internal and external to Chase, to obtain applicable data to perform a complete analysis. Credit Risk Senior Analysts are also responsible for review and approval of other analyst’s work.
The successful candidate for a Credit Risk Senior Analyst position will be expected to perform well in a fast-paced and dynamic environment. In addition to achieving and maintaining individual benchmarks for both quality and quantity, a Credit Risk Senior Analyst is also expected to excel in teamwork, including training of incoming analysts and acting as a liaison for current analysts. The Credit Risk Senior Analyst should be particularly proficient in Excel and have strong reporting skills.
Bachelor's Degree in Finance, Real Estate, General Business or Accounting or equivalent work experience
Minimum of 2 years of analytical review (property operating statements, rent rolls) or strong commercial mortgage servicing experience
Excellent verbal and written communication skills are required.
Strong analytical and problem-solving skills
Knowledge of loan documents
Knowledge of entity structures
Knowledge of Reg B, FCRA, KYC and HMDA requirements a plus
Knowledge of current real estate market trends
Proficiency in Microsoft desktop tools
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