Credit Analyst - Charlotte - Churchill Real Estate

    Churchill Real Estate
    Churchill Real Estate Charlotte

    1 day ago

    Real Estate
    Description

    Overview:

    As part of the Operations team, the Credit Analyst is responsible for evaluating the creditworthiness of loan applicants in the business purpose residential lending space. This role involves analyzing financial data, assessing risk, and making recommendations to ensure the integrity of our loan portfolio.

    Responsibilities:

    • Review and analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of loan applicants.
    • Evaluate the viability of proposed real estate investments, including property value, market conditions, and borrower experience.
    • Prepare detailed credit memos with recommendations for loan approval or decline, ensuring alignment with company policies and risk appetite.
    • Identify potential risks associated with loan applications and recommend appropriate risk mitigation strategies.
    • Work closely with underwriters and credit risk managers to ensure thorough and accurate risk assessments.
    • Monitor loan portfolio performance and report on trends or emerging risks.
    • Ensure all credit analysis and documentation comply with internal policies, industry standards, and regulatory requirements.
    • Maintain accurate and organized records of credit decisions and supporting documentation.
    • Stay informed of changes in regulations and best practices within the residential lending space.
    • Collaborate with loan officers, processors, and other team members to gather necessary information and provide clear communication on credit decisions.
    • Participate in meetings to discuss complex cases, share insights, and contribute to decision-making processes.

    Qualifications:

    • Bachelor's degree in Finance, Business, Economics, or a related field.
    • 2-4 years of experience in credit analysis, preferably within the residential lending or real estate sector.
    • Strong analytical skills with the ability to interpret financial data and assess risk.
    • Knowledge of residential real estate markets and investment principles.
    • Excellent attention to detail and organizational skills.
    • Strong written and verbal communication skills.

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