Commercial Credit Analyst II (Miami)

This position will work closely with senior credit leadership to analyze, underwrite, and evaluate Commercial Real Estate (CRE), Multifamily, and Commercial & Industrial (C&I) lending opportunities.The ideal candidate will possess strong financial analysis skills, a solid understanding of commercial lending principles, and the ability to assess borrower risk through detailed review of financial statements, tax returns, cash flow, and collateral. This role offers excellent exposure to a variety of commercial lending relationships and credit structures while working alongside experienced lending and credit professionals.Job RequirementsAnalyze and underwrite Commercial Real Estate, Multifamily, and Commercial/Business loan requestsReview loan applications, financial statements, tax returns, rent rolls, appraisal reports, environmental reports, and supporting documentationEvaluate borrower cash flow, collateral, debt service coverage, leverage, and overall credit riskPrepare and review Credit Approval Memorandums (CAMs) and credit presentations for management and credit committee reviewPerform financial spreading, credit analysis, and risk assessments to support lending decisionsAnalyze lease agreements, rent rolls, purchase contracts, and loan structuresEnsure loan requests comply with bank underwriting guidelines, credit policies, and regulatory requirementsCommunicate with Loan Officers and customers regarding loan status, documentation requirements, and transaction updatesPresent loan recommendations and findings to senior credit leadership and lending authoritiesIdentify and communicate material risks, policy exceptions, or concerns during the underwriting processSupport ongoing portfolio monitoring and assist with credit quality reviewsAssist with special projects, quality control initiatives, and credit-related assignments as neededJob QualificationsMinimum 2 years of commercial credit analysis, underwriting, lending, or related banking experience requiredExperience analyzing Commercial Real Estate (CRE), Multifamily, or Commercial & Industrial (C&I) loans preferredStrong understanding of financial statement analysis and cash flow evaluationExperience reviewing tax returns, rent rolls, appraisals, and borrower financial documentationAbility to calculate and analyze debt service coverage ratios (DSCR), collateral values, and credit risk metricsBilingual English and Spanish requiredStrong analytical, organizational, and problem-solving skillsExcellent verbal and written communication abilitiesAbility to manage multiple deadlines and priorities simultaneouslyProficiency in Microsoft Office, particularly ExcelAbility to work collaboratively within a team-oriented banking environment