Location Miami, FL
Type of Work In Office
Schedule Full-time | Monday to Friday
Type of Contract Direct Hire
Pay Rate Based on experience

We are seeking a detail-oriented and analytical Commercial Credit Analyst II to support a well-established financial institution within the banking and commercial lending industry. This role is responsible for underwriting and credit analysis of commercial real estate (CRE), multifamily, and commercial/business loan transactions.
The ideal candidate will have experience evaluating financial risk, reviewing complex financial documentation, and supporting lending decisions within a fast-paced banking environment. This position works closely with senior credit leadership, loan officers, and internal stakeholders to ensure accurate and compliant credit recommendations.

Responsibilities and Duties

• Perform underwriting and credit analysis for commercial real estate, multifamily, and business loans
• Evaluate financial feasibility and credit risk associated with lending opportunities
• Review and analyze loan applications, financial statements, tax returns, appraisals, environmental reports, and supporting documentation
• Prepare and review Credit Approval Memorandums (CAMs)
• Conduct collateral cash flow analysis, debt service coverage ratio (DSCR) calculations, rent roll reviews, lease analysis, and review of purchase agreements
• Ensure loan packages comply with internal credit policies and underwriting standards
• Present loan recommendations and findings to senior credit leadership and lending committees
• Identify and communicate material risk factors, discrepancies, or deviations discovered during underwriting and due diligence
• Maintain communication with loan officers and customers regarding transaction status, documentation requests, and issue resolution
• Support quality control initiatives, loan review processes, and additional underwriting projects as needed

Requirements

• Minimum 2 years of experience in commercial banking, lending, underwriting, or related financial analysis roles
• Experience with commercial real estate (CRE), multifamily, or commercial/business lending preferred
• Strong understanding of financial statement analysis and credit risk evaluation
• Ability to review and interpret tax returns, cash flow statements, and supporting financial documentation
• Bilingual English/Spanish required due to client demographics
• Ability to work flexible hours during peak business periods
• Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred