Commercial Credit Senior Associate, Commercial Real Estate

Location: Albany, New York, United States of America

Salary: $103,000.00–$171,600.00 USD per year

Company

Commercial banking organization providing credit delivery and risk management for commercial clients throughout the lending lifecycle.

What you will do

• Underwrite new commercial real estate credit requests and material modifications from deal screening through approval and the life of the loan.
• Manage transaction execution and portfolio coverage in partnership with relationship managers, senior credit colleagues, and analysts.
• Monitor ongoing credit risk through annual reviews, interim updates, covenant monitoring, early-warning indicators, and problem-loan management.
• Analyze financial statements, tax returns, appraisals, due diligence, credit reports, industry research, and peer data.
• Prepare financial models, cash-flow analyses, collateral schedules, covenant sensitivity calculations, guarantor analyses, and risk ratings.
• Present credit analyses and recommendations, support loan structuring, and escalate regulatory, policy, and risk-related issues.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field, plus five years of relevant commercial credit or financial analysis experience; alternatively, nine combined years of higher education and work experience including five relevant years.
• Strong analytical skills, including financial modeling, credit metrics, ratio analysis, and trend analysis.
• Emerging proficiency in legal documentation, structural analysis, and independently structuring transactions.
• Excellent verbal and written communication, critical thinking, attention to detail, organization, and time management.
• Ability to work independently and collaboratively, lead transaction execution with a Commercial Credit Analyst, and build customer relationships.
• Proficiency in Microsoft Office and understanding of financial regulatory requirements and commercial credit policy.

Nice to have

• Experience with Capital IQ, FactSet, Bloomberg, or nCino.
• Commercial real estate underwriting experience.

Culture & Benefits

• Full-time employment with compensation informed by knowledge, skills, and experience.
• Opportunity to contribute to training and development for junior and newly hired analysts.
• Work includes direct customer interaction and collaboration with relationship managers across banking teams and industry verticals.