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FinTrust Connect

CRE Credit Analyst -Tampa, FL

FinTrust Connect, Coral Gables, Florida, United States

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CRE Credit Analyst-Tampa, FL

FinTrust Connect has partnered with a community-focused regional banking institution to identify a skilled Credit Analyst specializing in Commercial Real Estate. This is a hybrid role based in Tampa, FL, ideal for a candidate who thrives on analyzing complex CRE transactions and supporting portfolio performance in a dynamic, deal-driven environment.

Why this opportunity?

Culture:

Credit-first institution with collaborative deal teams and a focus on responsible lending practices

Workplace:

Hybrid in Tampa, FL

Function:

CRE underwriting and portfolio oversight for new originations, renewals, and ongoing risk management

Requirements

Minimum of 5 years of experience underwriting CRE loans in a commercial banking environment

Bachelor's degree and formal credit training program preferred

Proficiency in financial statement analysis, loan structuring, and real estate valuation methods

Experience with borrowing base certificates, appraisals, rent rolls, and third-party CRE reports

Knowledge of regulatory guidelines and risk rating methodologies

Strong Excel and credit modeling skills

Description

Underwrite and structure commercial real estate transactions including acquisitions, refinances, construction loans, and extensions

Participate in client meetings and internal credit discussions to assess risk, guide loan structure, and ensure compliance with policy

Prepare credit presentations and submit recommendations to appropriate credit authorities

Monitor ongoing CRE loan portfolios for financial covenant compliance, maturing debt, collateral performance, and reporting requirements

Analyze borrower financials, appraisals, rent rolls, and third-party reports to validate underwriting assumptions and risk exposure

Maintain accurate and timely internal reports including criticized asset monitoring and risk ratings

Coordinate with relationship managers, risk officers, and asset managers to support deal execution and portfolio performance

Contribute to special projects and portfolio reviews focused on CRE credit exposure and strategic risk management

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