COMMERCIAL REAL ESTATE FINANCIAL ANALYST
COMPANY PROFILE
Lincoln James Capital specializes in arranging financing for commercial real estate properties and businesses through our expansive network of lenders, strong leadership team and our commitment to the certainty of execution. We are actively building a high-performance team of motivated, committed, and personable business professionals who will deliver services of superior quality to our clients. If you are interested in joining a growing team driven by innovation and agility, you will enjoy working here.
JOB SUMMARY
The role of the Commercial Real Estate Financial Analysts is to gather relevant financial data to successfully understand the trends affecting the commercial real estate industry, performing oversight over all preliminary underwriting on incoming commercial real estate loans for borrowers by collecting loan package materials, performing risk and loan analysis, and creating executive summaries to help clients to make important investment decisions. The focus of this job is to produce work of the highest quality and accuracy in a timely and efficient manner. The ideal candidate will possess strong analytical skills with an inquiring and critical mind. This job demands the ability to apply a very disciplined and thoughtful approach to organize abstract concepts, systems and ideas in a way that best meets the needs of clients.
ROLES AND RESPONSIBILITIES
- Ascertain and analyze data needed to prepare mortgage loan submissions from property owners, borrowers, lenders, and third-party sources. Included may be leases, sales contracts, income and expense statements, surveys, property income and expense statements, borrower financial statements, articles of incorporation, partnership agreements, deeds, easements, environmental reports, property condition reports, appraisals, title policies, deeds of trust, notes, mortgage loan commitments, lender checklists, lender loan program requirements, real estate market surveys, comparable sales, overall capitalization rates, vacancy rates, prime and T-bill rates.
- Attend meetings with borrowers and lenders to develop relationships.
- Assist with the underwriting, approval and closing of mortgage loan transactions.
- Analyze real estate property and financial situations for producers, providing well-founded advice as to alternate courses of action.
- Perform analysis of leases, historical income, and expense characteristics to derive an estimate of Net Operating Income for a commercial real estate property. Included is the ability to analyze the Net Operating Income with respect to normal market income levels, stabilized vacancy rates, normalized expenses, lender’s specific requirements or lender’s appraisal standards.
- Analyze the characteristics of the real estate with respect to industry norms and specific lender requirements.
EDUCATIONAL AND SKILLS REQUIREMENTS
- Bachelor’s degree in Business or related field, or equivalent
- Five (5) years as a commercial real estate analyst, broker, leasing agent or property manager or equivalent
- Proficient in the Microsoft Office Suite
BEHAVIORAL REQUIREMENTS
- Possess the ability to manage multiple priorities at the same time
- Capable of taking the initiative even amidst ambiguity
- Driven to complete tasks in a timely and accurate manner
- Able to respond positively to pressure
- Able to make decisions based on careful understanding of all available information; detailed technical knowledge; expertise and serious considerations for all sides of an issue/problem