Commercial Underwriting Analyst I
About The Position
The Commercial Underwriting Analyst I supports the team by analyzing commercial real estate lending opportunities and assisting in the underwriting process for bridge, construction, value-add, and other complex real estate transactions. This role works closely with Relationship Managers, Underwriters, Portfolio Managers, and Credit Administration to evaluate borrower and guarantor financial strength, property performance, market conditions, and overall credit risk. The position is designed for an early-career finance professional seeking to develop a strong foundation in commercial real estate underwriting and credit analysis.
Requirements
- Bachelor's degree in Finance, Accounting, Economics, Real Estate, Business, or a related field
- 0–2+ years of experience in commercial banking, credit analysis, underwriting, commercial real estate, public accounting, or a related financial field
- Strong analytical and quantitative skills with the ability to interpret financial statements and assess credit risk
- Understanding of commercial real estate fundamentals, valuation concepts, and real estate lending principles preferred
- Knowledge of financial modeling, cash flow analysis, and basic accounting principles
- Strong proficiency in Microsoft Excel, Word, and PowerPoint
- Excellent organizational skills with the ability to manage multiple priorities and meet deadlines
- Strong written and verbal communication skills
- Demonstrated attention to detail and commitment to producing high-quality work
- Ability to work effectively in a collaborative, team-oriented environment
Responsibilities
- Assist in underwriting commercial real estate loans by analyzing borrower, guarantor, and property-level financial information
- Spread and analyze financial statements, tax returns, rent rolls, operating statements, and borrowing base reports
- Evaluate cash flow, debt service coverage, leverage, liquidity, net worth, and other key credit metrics
- Review third-party reports including appraisals, environmental assessments, engineering reports, and market studies
- Analyze property performance, occupancy trends, lease structures, market conditions, and collateral quality
- Conduct industry, market, and sponsor research to identify risks and support credit recommendations
- Assist in preparing credit approval memorandums and underwriting presentations for management and loan committee review
- Ensure underwriting packages comply with bank credit policies, underwriting guidelines, and regulatory requirements
- Support due diligence efforts and coordinate documentation requests with internal and external stakeholders
- Participate in portfolio monitoring activities, covenant tracking, annual reviews, and borrower relationship management
- Maintain underwriting models, databases, and reporting tools used for credit analysis and portfolio management
- Collaborate with Relationship Managers, Portfolio Managers, and Credit Officers throughout the underwriting and approval process
Benefits
- Medical, Dental, Vision, and Life Insurance
- Paid Sick Leave, 3 weeks’ Vacation, and Holidays (about 11 a year)
- HSA or FSA account and other voluntary benefits
- 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
- Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
