Senior Credit Analyst

Company: CFG Bank
Location: Baltimore
Posted on: February 1, 2025

Job Description:

COMPANY SUMMARY:
CFG Bank, based in Baltimore, Maryland, is a leading financial institution serving the national healthcare and multifamily markets and the Mid-Atlantic region. As the 6th largest bank in Baltimore by deposits and the largest locally based, we've grown from $1 billion to over $5 billion in assets by 2023. With over 30 years of expertise, we rank among the top five healthcare bridge-to-HUD lenders in the country. At CFG Bank, we redefine banking by blending big bank capabilities with personalized boutique service. Recognized as "Best Place to Work" by the Baltimore Business Journal for 2022, 2023, and 2024, our primary goal is making each team member feel choosing CFG Bank was their best career decision. Join us for professional growth and a positive work environment that sets CFG Bank apart.

POSITION SUMMARY:
CFG Bank is seeking a Commercial Credit Professional with a commercial real estate background to join our Commercial Bank Team in Baltimore, MD. At CFG, you will find a culture rooted in quality customer service and employee engagement, where team members are experts in their field and bring an entrepreneurial spirit to solution-based banking. This role involves evaluating and determining the credit risks of commercial clients through comprehensive analysis of financial statements, tax returns, industry and market assessments, sub-market evaluations, collateral valuations, cash flow analysis, and repayment capacity for annual debt service.

ESSENTIAL DUTIES AND RESPONSIBILITIES:
--- Review relevant credit and financial information, including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit data, industry research, and peer benchmarks.
--- Analyze financial statements or tax returns and create financial models to evaluate various scenarios affecting proposed transactions.
--- Assist in preparing comprehensive credit analyses and annual reviews, including evaluations of real estate projects, market data, and financial statements for commercial borrowers and guarantors. This includes reviewing and summarizing leases, rent rolls, appraisals, construction budgets, proformas, environmental reports, property condition reports, and other relevant documentation. Financial analysis may include borrower and individual tax returns, global real estate schedules, financial trends, and debt repayment capacity. Provide risk ratings with clear, well-supported rationales and summarize risks and mitigants in written reports.
--- Present analysis and address questions during credit discussions or committee meetings as needed.
--- Contribute to loan structuring by recommending terms, conditions, controls, collateral, and guarantors, when appropriate.
--- Ensure compliance with the Commercial Credit Policy by verifying adherence and documenting any exceptions.
--- Stay informed on accounting pronouncements and other financial analysis-related topics.
--- Follow all applicable compliance and operational risk controls as required by company policies and regulatory standards.
--- Foster an inclusive and supportive environment that reflects CFG Bank's commitment to diversity and its brand values.
--- Uphold internal control standards by promptly addressing audit points and issues raised by internal or external regulators.
--- Complete additional duties as assigned and participate in Loan Analysis Department projects as needed.

QUALIFICATIONS AND REQUIREMENTS:
--- Bachelor's degree in Accounting, Finance, Real Estate, or a related field; MBA is a plus.
--- At least 4 years of experience in credit underwriting, specialty underwriting, or a financial analysis role.
--- Strong understanding of the financial regulatory environment related to commercial credit transactions.
--- Critical thinking and analytical skills with the ability to draw logical conclusions from available information.
--- Proficiency in Microsoft Office, particularly Excel and Word, with strong skills in financial modeling preferred.

PREFERRED EXPERIENCE AND SKILLS:
--- Significant experience underwriting commercial real estate transactions.
--- Demonstrates expertise when collaborating with peers, relationship managers, and senior leaders across the Bank.
--- Strong critical thinking and analytical abilities to evaluate complex information and reach sound conclusions.
--- Professional communication skills, with the ability to effectively interact with clients and external parties, including discussing complex or sensitive topics.
--- Maintains up-to-date knowledge of industry trends, accounting principles, financial practices, and relevant borrower types.
--- Skilled in creating clear, concise, and persuasive verbal and written analyses.

WORK ENVIRONMENT: We offer a hybrid schedule, with 3 days in-office and 2 days remote after the initial 90-day period.

COMPENSATION DISCLOSURE:
In accordance with Maryland's Equal Pay for Equal Work Act, we are committed to providing transparent wage information for all posted job opportunities. The wage range for this position is $80,000 to $120,000 annually, plus performance based bonus. Compensation is determined based on factors such as Experience, Qualifications, and Internal equity.

BENEFITS AND ADDITIONAL COMPENSATION:
Additionally, this position includes a comprehensive benefits package and other forms of compensation, including:
--- Employer-provided health benefits: medical insurance, dental & vision insurance, disability insurance, life insurance, mental health support services, wellness program & free health club membership (for Baltimore-based employees)
--- Paid time off: vacation days, sick leave, volunteer days
--- Retirement plan: 401(k) with employer match
--- Other compensation elements: Discretionary annual bonus and overtime pay for non-exempt positions

EOE STATEMENT: CFG Bank is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic. We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs. If you require accommodations during the application process, please contact Human Resources.

#LI-HYBRID #LI-CL1Compensation details: 80000-120000 Yearly SalaryPId31a8477e177-25660-36572309

Keywords: CFG Bank, Bel Air South , Senior Credit Analyst, Accounting, Auditing , Baltimore, Maryland