Career Details

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Senior Credit Analyst

Glendale, AZ

You are analytical, investigative, love spreadsheets, a finance geek extraordinaire, enjoy research, and thrive on collaboration. This is your calling.

Duties and Responsibilities

  • Perform underwriting analysis of CRE SBA 504 loans.
  • Analyze financial statements, tax returns, credit scoring, and loan documentation and utilize knowledge of credit and cash flow analysis.
  • Monitor and research market/industry trends and business outcomes to anticipate client needs and present proactive solutions.
  • Identify exposure by linking counterparties, facilities and risk mitigations to effectively manage credit risks for AVANA’s growing loan portfolio.
  • Complete quarterly and annual reviews, due diligence on all credit files and implement monitoring, and credit risk management guidelines.
  • Conduct site visits and construction monitoring visits to the various projects funded by AVANA and its affiliates.
  • Establish and maintain a credit culture within the organization that results in strong fundamental credit practices while advancing the organization’s mission and values.
  • Conduct due diligence, financial analysis, and research for new loan inquiries.
  • Manage the underwriting of new and existing credits for ground-up construction projects.
  • Perform quantitative and qualitative analysis of the portfolio of loans including, but not limited to, segment, concentration, expertise, and stress test analysis based on AVANA strategies and long-term goals. Report and make recommendations to senior management.
  • Design, monitor and evaluate database, tools and methodologies for evaluating Construction Projects.
  • Compile, verify and process monthly Monitoring and Evaluation data.
  • Analyze monthly project data, construction sites and indicators in close collaboration with the General Contractor, Site inspectors and Borrowers.
  • Maintain communications with Project Coordinator/Manager, project officers, and engineers to ensure quality of construction/project documentation, and verify inspection reports for completeness, accuracy, quality achievement, timeliness and credibility.
  • Develop participatory construction Monitoring & Evaluation tools for internal due diligence.
  • Coordinate discussion, learning, sharing and reflection of organizational policies for construction projects on planning, monitoring and evaluation related topics to improve practices.
  • Assist in building the capacity of the project team to improve the capability of monitoring and reporting.
    Provide the Monitoring and Evaluation data and results to ensure timely completion.
  • Conduct monthly, quarterly and annual reviews of the ongoing project deliverables according to agreed timelines.
  • Ensure the smooth and optimum function of the Project, using personal initiative to push the project completion and optimize project-related activities.
  • Develop Monitoring Spreadsheet and analysis models through advanced knowledge of Microsoft products.
  • Oversee Construction site staff.
  • Coordinate and communicate with customers and investors who have invested in projects to ensure satisfaction, including generating monthly analysis and reports for them to appraise.
  • Negotiate with vendors and contractors and ensure timely delivery. 35% to 50% domestic travel to unanticipated locations throughout the U.S. and occasional foreign travel.

Qualifications

Bachelor’s degree in Finance, Accounting, or Business Management plus 6 years experience as a Credit Analyst or in a related occupation. AVANA Capital will accept 8 years experience as a Credit Analyst or in a related occupation in lieu of Bachelor’s plus 6 years.

AVANA Captial also requires the following:

  • 4 years experience in Commercial Real Estate (CRE) Lending and credit analysis
  • 4 years experience in construction monitoring
  • 2 years experience in portfolio management; and construction risk management certificate or experience

All experience may be gained concurrently.

Qualified applicants send resume to: HRavanacapital@yahoo.com

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