Finance
Credit Analyst I
Full-time
Fresno, CA
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Who We Are
PACT Capital is an investment management firm focused on agriculture and commercial real estate credit investments across the Pacific Northwest.
We are capital partners, lenders and advisors, assisting farmers, investors and business owners achieve their most ambitious goals.
Our philosophy believes successful credit investing is built on alignment, trust, and long-term relationships.
Guided by our core values of teamwork, innovation, and continual excellence, PACT Capital is committed to redefining what a modern real estate credit manager should be—and to supporting the communities and industries in which we serve.
Join us today!
Job Description
Reporting to Senior Credit Officers, this entry level analyst will be a member of the Commercial Real Estate Credit Production Team and will collect financials, review, analyze, underwrite commercial real estate credits and prepare debt offering memorandums.
The team members must be very well organized, have attention to detail, thrive in a dynamic, fast-paced environment, have strong data analysis and rationale, and are able to manage several competing priorities at the same time. The position requires analytical organization, and written communication skills.
The candidate must comply with all lending regulations for BSA, AML and KYC.
There are no business development responsibilities required but are available for personal and professional growth. In addition, you will collaborate with Relationship Managers (“RM’s”) to accurately present findings, including business rationale and risk mitigations, to obtain credit approvals and meet customer needs.
Key Responsibilities
Assist in the request, collection and review of business and personal tax returns and financial statements.
Analyze multiple sources of information which include rent rolls, operating history statements, financial statements, collateral appraisals, debt schedules, and credit scores in relation to a cash flow analysis.
Research and Validate Financial Information provided by borrower(s).
Analyze Profit and Loss and Balance Sheets.
Review and Complete Schedules of Real Estate Owned.
Analyze Comparable data sources to make decisions based on market trends.
Spread financial information into models used for analysis.
Conduct preliminary global cash flow analysis of business and personal financial statements and tax returns.
Prepare credit memos in a varying formats that include key financial ratios supported with financial analysis and trends incorporated as an executive summary to be used for recommending credit requests.
Responsible for the timely assembly and delivery of loan sizers and preliminary underwriting loan sizer models.
Maintain and ensure that information pertaining to each deal in CRM software and tracking tools accurately reflects the status of the deals, current exhibits, important communication, and any outstanding issues and resolution.
Communicate and problem-solve daily with teammates and customers.
Qualifications
Credit underwriting or analysis experience required.
Proficient in cash flow analysis and calculation of NOI and EBITDA.
Advanced analytical and problem-solving skills.
Strong Interest in Real Estate and Business Finance.
Familiarity with Commercial Real Estate Concepts.
Fluent in Microsoft Office Suite (Outlook, Excel, Word, Power Point etc.)
Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time.
Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
Possess excellent written, verbal, interpersonal and presentation skills, including ability to train and present to small and large audiences or has the interest in learning to train and present.
Advanced knowledge of credit policies, procedures, practices, and documentation.
Bachelor’s Degree in business, economics, finance, accounting, or equivalent work experience, required.
Location
Fresno, CA
What You Can Expect From Us
We succeed together – across the office and across the country, we believe the best inspire the best, so we invest in supporting each other, learning together, and celebrating success. We foster a collaborative work environment, where a commitment to excellence and winning is rewarded. We invest in team members and opportunities for their growth as the company grows!
What you can expect from us:
Competitive Compensation Plan
401(k) Company Match Program – upon eligibility
Annual Bonuses
Medical, Dental and Vision
Career Advancement Opportunities
All Federal Bank Holidays
Real Estate License – reimbursement for passing the real estate salesperson license exam
Still reading? Then we think you should apply!
EEOE STATEMENT
PACT Capital is an equal employment opportunity employer and does not discriminate based on race, color, national origin, religion, gender identity, sexual orientation, sex, age, disability, veteran or military status, genetic information, or any other characteristic protected by applicable law.