Ascendo Resources · 1 day ago
Senior Commercial Credit Analyst
Miami, FL
Full-time
Hybrid
Senior Level
5+ years expAscendo Resources is a well-established financial institution seeking a Senior Credit Analyst – Commercial Real Estate (CRE) to support complex underwriting and credit risk evaluation across the full lifecycle of CRE transactions. This role plays a key part in credit decisioning, portfolio quality, and alignment with regulatory and internal credit policy standards.
Human ResourcesStaffing Agency
Hiring Manager
Ivan Pulido (Executive Recruiter - Financial Services)
Responsibilities
Perform comprehensive credit analysis and underwriting for complex CRE transactions, including acquisitions, construction, repositioning, lease-up, and stabilized assets
Prepare and present detailed Credit Approval Memorandums (CAMs) for Credit Committee review
Analyze borrower and guarantor financials, tax returns, global cash flows, and contingent liabilities
Evaluate property-level performance metrics including NOI, DSCR, Debt Yield, LTV, and stress-tested scenarios
Build and review financial models, including pro forma cash flows, lease-up assumptions, and refinance analyses
Assess collateral values, market rent studies, and competitive market conditions
Conduct background checks, OFAC screening, credit bureau reviews, and public-record research
Review lien positions and confirm collateral priority through county and state records
Propose risk mitigants such as reserves, guarantees, and structural enhancements
Ensure transactions comply with internal credit policy, OCC guidance, and regulatory expectations
Perform periodic and annual credit reviews on existing portfolio relationships
Support relationship managers in structuring loan terms, covenants, and amortization schedules
Assist with portfolio and industry concentration analysis
Provide guidance and informal mentorship to junior credit analysts as needed
Contribute to refining underwriting standards and risk appetite strategies
Qualification
Required
Bachelor's degree in Finance, Business, Economics, or related field (advanced degree preferred)
5+ years of progressive CRE credit analysis and underwriting experience (6+ preferred)
Hands-on experience across the full CRE transaction lifecycle
Exposure to multiple property types (multifamily, office, industrial, retail, hospitality, etc.)
Strong experience with sponsor/guarantor analysis and global cash flow evaluation
Proven experience preparing credit approval packages and presenting to Credit Committee
Advanced proficiency in Microsoft Excel and Word
Strong analytical, writing, and communication skills
High attention to detail and ability to work independently
Company
Ascendo Resources
Ascendo Resources is a staffing and recruiting company providing accounting, finance, and it recruiting services.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Scott Berger
Co-Founder of Healthcare Operations
Brandie Jimenez
Partner at Ascendo Resources
Recent News
2022-02-01
Company data provided by crunchbase