Credit Analyst

As a hospitality-focused Commercial Real Estate Analyst at our company, your role will involve supporting both the underwriting and servicing functions. You will be responsible for analyzing new loan opportunities, monitoring existing loan performance, and evaluating the overall portfolio health. Your key responsibilities will include: - Reviewing and interpreting U.S. GAAP financial statements, such as Profit & Loss, Balance Sheet, and Cash Flow reports - Preparing initial prescreens for hotel loan opportunities, highlighting potential risks, and identifying information gaps for the underwriting team - Drafting detailed credit memoranda outlining risk mitigants and summarizing business models, historical performance, financial projections, collateral valuation, covenant structures, and debt-servicing capacity - Identifying and articulating material credit risks and proposing appropriate mitigants - Coordinating with U.S. borrowers and sponsors for annual loan reviews and compliance monitoring - Supporting the review of funding and draw requests by validating budgets, lien searches, construction progress, and overall eligibility for disbursement - Developing and maintaining financial models and analytical tools, including sensitivity analyses, DSCR calculations, cash-flow waterfalls, draw schedules, and covenant testing templates - Maintaining accurate borrower records, tracking outstanding action items, and ensuring all documentation is complete and up-to-date within the loan servicing platform - Demonstrating strong English communication skills across various channels such as memos, emails, client calls, and internal presentations You will play a crucial role in the underwriting and servicing functions, ensuring compliance with credit policies, legal covenants, and internal controls. Your analytical skills and attention to detail will be instrumental in identifying key risks, proposing mitigants, and overseeing the full disbursement and annual review lifecycle. If additional details about the company were provided in the job description, they would be included here.,