Job Description
The Senior Analyst, Credit Risk will support the timely and accurate production of detailed financial analysis and prepare financial reports, findings, and recommendations to inform decision making. The ideal candidate will be experienced in financial statement analysis and evaluation methods; have excellent writing, presentation, and interpersonal skills; be able to communicate and work well with internal colleagues and external tenants at all levels; and desire to advance one’s and others’ knowledge through data analysis.
Essential Job Duties & Responsibilities:
- Complete comprehensive analysis on prospective and existing tenants to identify trends, measure performance, assess financial strength, and identify potential risks
- Compare financial statements of tenants being evaluated with those of similar establishments in the same industries and markets
- Maintain financial reports that summarize the overall financial position of the tenant portfolio
- Track industry trends and tenant news
- Translate findings into clear, concise written and verbal presentations and make recommendations to the Director, Credit Risk and senior management regarding investment opportunities
- Assist the Director, Credit Risk in preparing applicable portfolio credit information to be included in various Board of Director and Investment/Portfolio Review Committee reporting
- Perform sensitivity analysis to assess how variations in modeling assumptions impact the tenant’s financial performance
- Responsible for calculating and reporting quarterly credit metrics including tenant risk ratings, aggregate investment grade percentage, site-level rent coverage ratios, and watchlist statistics
- Build and maintain effective relationships with tenants and collaborate closely with internal finance, underwriting, acquisitions, and property management teams
- Assist the Director, Credit Risk in quarterly portfolio monitoring, including site-level reporting and analysis of agency investment grade credit ratings
- Continue to improve and develop tenant financial analysis tools, procedures, and reports
- Travel to corporate headquarters located in Victor, NY for employee events and training as necessary
- Executes duties and maintains standards in accordance with company policies and procedures
- Additional duties as required
- Overtime hours may be required as job duties demand
Skills/Qualifications:
- Strong financial analysis skills with an in-depth ability to read, evaluate, and understand internal and audited financial statements and SEC filings
- Strong quantitative and qualitative analysis, data manipulation and due diligence skills, with the ability to apply data management skills to complex business situations
- Knowledge of financial ratio analysis and GAAP accounting
- Understanding of finance, real estate, and capital markets terms and concepts
- Effective verbal and written communication skills with ability to effectively present data and findings
- Strong attention to detail with a focus on quality and accuracy in a fast-paced environment
- Experienced information gathering and information monitoring skills
- Effective decision-making skills and an ability to perform under deadline pressure
- Demonstrated ability to take ownership of assigned tasks and processes, with an ability to prioritize multiple projects and a commitment to meet strict deadlines
- Proficiency in Microsoft Office applications including Word, PowerPoint, Outlook, and Excel
- Strong collaborator with a proven ability to work across teams, functions, and levels of the organization
Education/Experience:
- Bachelor’s degree in finance, accounting or related field from a four-year accredited college or university required
- 3-5+ years of finance/underwriting experience in a professional services environment
- Experience with Moody’s and/or S&P tools preferred
- Formal credit training, commercial credit underwriting experience preferred
- Experience working with Power BI a plus
- Experience working with MRI commercial property management software a plus
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