Commercial Jr. Credit Analyst
Assisting Senior Credit analyst; assessing credit data to evaluate business loan requests for acceptability, underwriting and documenting financial and credit risk, analyze cash flow, interpreting collateral evaluation, ordering third party reports, prepare internal credit memos and prepare various portfolio reports. Identify portfolio concentrations with a concentration on market share, income growth, cash flow and collateral evaluation to decide if loans will be profitable and secure.
- Analyze financial information including operating statements and net worth statements to determine appropriate loan size, terms, and pricing.
- Review various reports including appraisals, environmental documentation, and engineering reports to determine compliance with investor requirements.
- Determine property values based on appraised market prices and the borrower's credit worthiness.
- Investigate credit ratings with credit bureaus and reporting agencies.
- Visit borrower properties for verification and evaluation
- Evaluate the financial strength of borrowers to determine risk and repayment capacity.
- Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals.
- Maintained compliance with lending, underwriting and government requirements.
- Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
Mortgage Closing Assistant
Assisted senior mortgage closer with providing complete and accurate loan-closing documents.
- Prepare documentation and mortgage-closing packages for CMBS, SBA, & conventional loans. Review loan files and title commitments to ensure loans are ready to close.
- Competently managed all assigned loans, enabling fast closings that were free from errors and issues.
- Gathered closing figures, input closing information and generat loan documentation.
- Coordinated with buyers, sellers, title companies, attorneys, escrow agents, surveyors and real estate agents to complete loan submissions and set up closing date and time.
