Senior Corporate Banking Credit Associate - CRE
Raymond James Financial, Inc.
**Essential Duties and Responsibilities**
+ Assists with the development, structure, negotiation and closing of CRE transactions secured by high quality assets throughout the United States.
+ Oversees a dedicated portfolio of assigned CRE loans, monitoring loan grading and credit quality on regular basis
+ Researches and analyzes financial statements, interprets findings, and prepares various reports for senior management and credit.
+ Prepares detailed Cash Flow projections at both the REIT and project level utilizing Excel and third-party modeling software (i.e., Argus).
+ Performs demand analysis and market research to evaluate new loan transaction opportunities, utilizing third party diligence tools, etc.
+ Prepares and delivers written and oral presentations relating to CRE transactions.
+ Maintains accurate and organized documentation and monitors compliance with terms of loans and accounts
+ Prepares report evaluations ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines.
+ Coaches and mentors new associates within the department.
+ Joins in deal discussions as is related to potential syndicated and direct loan opportunities.
**Knowledge, Skills, and Abilities**
**Knowledge of**
+ Advanced concepts, practices and procedures of CRE credit analysis.
+ Finance and/or accounting principles, practices and procedures
+ Federal and State laws.
**Skill in**
+ Preparing complex financial position and credit reports.
+ Reading, interpreting, analyzing and applying information from credit reports, P&L / BS statements, rent rolls, appraisals, construction.
+ Researching, interpreting and analyzing complex financial statements.
+ Structuring, negotiating, underwriting and closing loan transactions.
+ Generating Cash Flow projection
+ Maintaining documentation files.
+ Monitoring compliance on loans and accounts.
+ Ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines.
+ Preparing and delivering oral and written presentations
+ Performing market and transaction due diligence.
+ Operating standard office equipment and using required software applications.
+ Excel modeling and computation.
**Ability to**
+ Maintain currency in credit analysis policies, procedures and methodologies.
+ Manage multiple tasks with changing priorities to meet deadlines in a fast-paced environment with frequent interruptions.
+ Lead the work of others.
+ Provide coaching, mentoring and technical training to others.
+ Partner with others to accomplish objectives.
+ Manage relationships with clients.
+ Attend to detail while maintaining a big picture orientation.
+ Interpret and apply policies.
+ Lead others in providing a high level of customer service
+ Establish and maintain effective working relationships with others.
+ Provide support on calls with syndication partners.
+ Solve complex problems.
*****ACAMS not required*****
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