Sr. Commercial real estate portfolio rep

Credit Underwriting: Execute end-to-end underwriting for complex CRE transactions, including acquisitions, refinances, and construction-to-permanent conversions.

Financial Spreading: Perform detailed financial spreading of property operating statements, tax returns, and personal financial statements to calculate DSCR (Debt Service Coverage Ratio) and LTV (Loan-to-Value).

Portfolio Surveillance: Maintain continuous oversight of a multi-million dollar CRE portfolio, ensuring all covenants are met and annual reviews are completed accurately.

Accounting Analysis: Apply advanced accounting principles to analyze global cash flow, bridge the gap between GAAP and cash-basis reporting, and assess the liquidity of sponsors/guarantors.

Market Analysis: Monitor CRE market trends, vacancy rates, and cap rate shifts within specific geographic territories to adjust portfolio risk ratings accordingly.