Credit Analyst

About the Role

We are seeking a hospitality-focused Commercial Real Estate Analyst to join our expanding team. In this role, you will support both the underwriting and servicing functions by analyzing new loan opportunities, monitoring existing loan performance, and evaluating overall portfolio health. You will prepare credit memos and loan reviews, identify key risks and mitigants, and oversee the full disbursement and annual review lifecycle.

Key Responsibilities

Underwriting & Credit Analysis

• Credit Analysis:

Review and interpret U.S. GAAP financial statements—including Profit & Loss, Balance Sheet, and Cash Flow reports. Prepare initial prescreens for hotel loan opportunities, highlight potential risks, and identify information gaps for the underwriting team.

• Credit Memo Preparation:

Draft detailed credit memoranda that clearly outline risk mitigants and summarize business models, historical performance, financial projections, collateral valuation, covenant structures, and debt-servicing capacity. Ensure full compliance with credit policies, legal covenants, and internal controls. Document policy exceptions with clear escalation steps and defined timelines.

• Risk Identification & Mitigation:

Identify and articulate material credit risks (e.g., market dynamics, construction exposure, sponsor strength, cash-flow volatility) and propose appropriate mitigants such as additional collateral, equity infusions, financial covenants, or reserve requirements.

Servicing & Client Interaction

• Annual Loan Reviews:

Coordinate with U.S. borrowers and sponsors to gather updated financial statements, operating reports, insurance documents, and compliance certifications.

• Compliance Monitoring:

Prepare concise servicing notes summarizing loan compliance status, covenant performance, and any breaches requiring remediation. Conduct periodic risk-rating reviews, track early warning indicators, and recommend corrective actions when necessary.

• Disbursement Support:

Support the review of funding and draw requests by validating budgets, lien searches, construction progress, and overall eligibility for disbursement.

Reporting & Tools

• Excel Modeling:

Develop and maintain financial models and analytical tools, including sensitivity analyses, DSCR calculations, cash-flow waterfalls, draw schedules, and covenant testing templates.

• CRM & Loan Systems:

Maintain accurate borrower records, track outstanding action items, and ensure all documentation is complete and up-to-date within the loan servicing platform.

• Communication:

Demonstrate strong English communication skills—both written and verbal—across memos, emails, client calls, and internal presentations.