CRE Credit Analyst -Tampa, FL

FinTrust Connect • Coral Gables, FL

12d • Hybrid

About The Position

CRE Credit Analyst -Tampa, FL FinTrust Connect has partnered with a community-focused regional banking institution to identify a skilled Credit Analyst specializing in Commercial Real Estate. This is a hybrid role based in Tampa, FL, ideal for a candidate who thrives on analyzing complex CRE transactions and supporting portfolio performance in a dynamic, deal-driven environment. Why this opportunity? Culture: Credit-first institution with collaborative deal teams and a focus on responsible lending practices Workplace: Hybrid in Tampa, FL Function: CRE underwriting and portfolio oversight for new originations, renewals, and ongoing risk management

Requirements

• Minimum of 5 years of experience underwriting CRE loans in a commercial banking environment
• Proficiency in financial statement analysis, loan structuring, and real estate valuation methods
• Experience with borrowing base certificates, appraisals, rent rolls, and third-party CRE reports
• Knowledge of regulatory guidelines and risk rating methodologies
• Strong Excel and credit modeling skills

Nice To Haves

• Bachelor's degree and formal credit training program preferred

Responsibilities

• Underwrite and structure commercial real estate transactions including acquisitions, refinances, construction loans, and extensions
• Participate in client meetings and internal credit discussions to assess risk, guide loan structure, and ensure compliance with policy
• Prepare credit presentations and submit recommendations to appropriate credit authorities
• Monitor ongoing CRE loan portfolios for financial covenant compliance, maturing debt, collateral performance, and reporting requirements
• Analyze borrower financials, appraisals, rent rolls, and third-party reports to validate underwriting assumptions and risk exposure
• Maintain accurate and timely internal reports including criticized asset monitoring and risk ratings
• Coordinate with relationship managers, risk officers, and asset managers to support deal execution and portfolio performance
• Contribute to special projects and portfolio reviews focused on CRE credit exposure and strategic risk management

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level