Jacksonville, FL, 32232, USA
1 day ago
Commercial Credit Analyst II
**Commercial Credit Analyst II** The Commercial Credit Analyst II provides high-level support to assigned Underwriters or Portfolio Managers in the form of financial or commercial real estate underwriting analysis in order to achieve the bank's goals with regard to new loan origination and effective risk management. While working independently with limited supervision, this job proactively assists in managing departmental objectives and analyzing diverse and complex credit structures. This job handles more complex and larger credit transactions and circumstances. **Key Responsibilities and Duties** + Anticipates the needs of assigned underwriters or portfolio managers in the financial analysis, credit underwriting and approval process. + Assists the Underwriting Team with new loan requests and the preparation of preliminary and final deal approvals which include detailed real estate analysis, market trend analysis, commercial real estate sizing worksheets, detailed borrower cash flow analysis, global cash flow analysis and identification of risks. + Maintain and update the financial reporting tracking system to ensure timely receipt, logging and processing of all required financial information. + Assists the Portfolio Management Team with the preparation of portfolio servicing documentation for the timely analysis of financial spreads, commercial real estate sizing worksheets, trend analysis, detailed borrower cash flow analysis, global cash flow analysis, industry analysis, market analysis, and identification of risks. + Coordinates credit and loan portfolio administration support such as pipeline reports, monitoring past dues, document and tickler exceptions, collateral valuations, site inspections, and covenant compliance. + Understands and incorporates credit policies, guidelines and applicable regulatory requirements in work product, when and where appropriate. + Reviews loan closing packages for completeness and accuracy. + Summarizes and effectively presents recommendations with supporting financial analysis. **Educational Requirements** + University (Degree) Preferred **Work Experience** + 2+ Years Required; 3+ Years Preferred **Physical Requirements** + Physical Requirements: Sedentary Work **Career Level** 6IC Previous experience in Multifamily or Commercial Real Estate or completion of EverBank's Rotational Development Program is strongly preferred. Hybrid work is a minimum of four days a week, one flexible day for remote work. Posting end date: 1/29/25 **Job Seeker Notice** EverBank, N.A. ("EverBank") is a nationwide specialty bank providing high-value products and services to consumer and commercial clients nationwide. As a pioneer in online banking, we offer convenient digital access for clients 24/7, in addition to phone banking services and a network of financial centers. EverBank's commitment is to deliver to our clients high-performing, high-yield solutions backed by exceptional service, always giving them the advantage they expect, to make the most of their money. VEVRAA Federal Contractor Member FDIC Notice to Job Seekers (https://everbank.com/about/careers/notice-to-job-seekers) **Pay Range** $66,100 - $89,400 EverBank, N.A. is an equal opportunity (EEO) employer, dedicated to maintaining a work environment free of bias, harassment, discrimination and retaliation. As an EEO employer, EverBank expressly prohibits discrimination, harassment and retaliation based on protected characteristics such as race, creed, ethnicity, color, age, religion, sex, sex stereotype, pregnancy, sexual orientation, gender, gender identity, gender expression, transgender status, marital status, national origin, ancestry, physical or mental disability, genetic history and information, or military or veteran status. Providing a safe, inclusive environment is a priority at EverBank and, consistent with that mission, EverBank considers all qualified applicants for employment regardless of protected status. We will not discharge or in any other manner discriminate against associates or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another associate or applicant. However, associates who have access to the compensation information of other associates or applicants as a part of their essential job functions cannot disclose the pay of other associates or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by us, or (c) consistent with our legal duty to furnish information.
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