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NPAworldwide · 5 days ago

Client Service Associate (CSA for RIA)

Brentwood, TN

Full-time

Onsite

Senior Level

$60K/yr - $70K/yr

NPAworld is a company specializing in commercial real estate finance solutions. They are seeking a Senior Commercial Real Estate Underwriting Associate who will analyze financial data, assess credit risks, and prepare loan presentations while ensuring compliance with internal policies and regulatory requirements.

Recruiting

Responsibilities

Analyzing property cash flow statements, business operating statements, business tax returns and financial statements. Must have a complete understanding of cash flow reports, financial ratios, trends, etc. Analyst must be able to identify recurring and non-recurring sources of cash flow, the property’s ability to cover debt service and ability of client/guarantor to support the property

Knowledge of IRS Code Section 42 and 47, equity structures and documentation, market research (including onsite inspections and market comp analysis), and 3rd party or external guidelines

Underwrite real estate credits and prepare credit memos for new loans as well as for renewals, modifications and short-term extensions. This includes financial and risk analysis, purpose of loan, repayment sources, collateral, financial & reporting covenants, tenant analysis, and sponsor and project team summary

Must be able to understand and review real estate documents (leases, loan documents, appraisals, etc.) to identify any potential issues and concerns

Responsible for independently underwriting all credit requests for new applicants and existing obligors

Prepare loan presentations in conjunction with the Loan Officers ensuring all details of the credit proposal are complete and accurate, provide assessment and adequacy of deal structure and creditworthiness and participate in presentation and/or present loans to the approving authority

Monitor borrower compliance with approved terms, portfolio management, and assist in the administration of credit relationships

Provide post-funding analytical and monitoring support of credit relationships and portfolio maintenance including completion of annual reviews

Works independently with little or no oversight. Exercises some exception and elevated approval authority. Prepares loan offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned. Interacts with internal/external customers. Provides recommendations for credit structuring. Serves as subject matter expert for certain asset classes

Qualification

Financial analysisCommercial lending experienceUnderwriting activitiesReal estate knowledgeFinancial modelingCredit risk managementAnalytical skillsInterpersonal skillsWritten communicationSelf-motivated

Required

Bachelor degree in Economics, Business Administration, Accounting, Finance, Business Analytics, or related disciplines

Adequate work experience required

Strongly preferred experience in one but not all of the following areas: Big 4 or upper tier accounting/consulting firm transaction advisory services, valuations or audit/assurance

Commercial lending credit training and experience in corporate loan underwriting and portfolio management

Other applicable deal transaction experience

Intellectually motivated by an entrepreneurial and deal driven environment

Robust financial analysis, research and business due diligence skills

Outstanding interpersonal skills

Working experience of finance & accounting, corporate finance concepts and methodologies

Self-motivated with a history of meeting and preferably exceeding goals

Robust analytical and written communication skills

Deeply skillful with financial modeling

Experience with and ability to use tools and techniques for collecting, collating and analyzing information on existing or potential markets in order to meet market needs

Expertise with the processes, techniques and requirements for official decision-making; ability to reach an agreement on and close transactions for real properties

Knowledge of and ability to utilize tools, techniques and practices for determining the credit-worthiness of an applicant

Expertise in the full spectrum of underwriting activities, practices, tools and considerations, and the capacity to utilize these to manage the underwriting process

Knowledge of real estate development; ability to manage different aspects of the real estate development function, including business development, methods of real estate, and operational processes

Knowledge of and ability to support an organization in adhering to applicable federal, state, local, and company-specific regulations, policies, and guidelines affecting business practices

Familiarity with specializations, tools, practices and regulations within the real estate industry; ability to operate a real estate enterprise to achieve business success

Must possess an ability to utilize diverse data analysis processes, techniques and tools in order to analyze, interpret and manage property related data