Credit Analyst - Credit Operations

Summary

An experienced credit and real estate finance professional with expertise in commercial real estate underwriting, private equity due diligence, and loan operations. Skilled in financial modelling, risk assessment, and portfolio monitoring across transactions ranging from GSE loans to private capital investments.

Experience areas

1. Credit Analyst - Credit Operations

   • Lead deal processing from screening through underwriting, closing and loan delivery
   • Generate proforma cash flows and conduct comprehensive risk evaluation for proposed transactions
   • Analyse and validate third-party reports including appraisals, phase environmental assessments, and zoning documentation
   • Act as liaison between underwriters, analysts, mortgage banking staff and closers for due diligence material coordination

2. Senior Associate - Private Equity & Consulting

   • Performed commercial due diligence on investment opportunities and portfolio monitoring activities
   • Conducted quarterly asset reviews analysing portfolio cash flows, budgets and lease agreements
   • Developed investment strategies through industry analysis, competitive benchmarking and opportunity assessments
   • Valued companies and properties using multiple methodologies including DCF, IRR and cap rate approaches

3. Analyst - Closing

   • Analysed borrower financial metrics and calculated credit ratios for worthiness assessment
   • Prepared closing documents for real estate loans with comprehensive quality control procedures
   • Validated borrower data and performed compliance checks on third-party documents for regulatory adherence

4. Intern

   • Supported financial modelling of leading index companies
   • Conducted sector analysis and company valuation to identify investment opportunities
   • Executed buy and sell orders and analysed equity opportunities

Skills