Credit Analyst - CRE

Who We Are & Why You Will LOVE Us!

You are more than just a number; we are more than just a bank. At Tradition Capital Bank, we are partners in business and in life; building dreams and futures on one simple idea: strong one-on-one relationships.

We place our people in the right seats and position our employees to do what they love. Every person and every role matters: when we function together as One Team, we achieve extraordinary results. As each other’s raving fans, we reach across titles and organizational structure to encourage one another.

Here at Tradition, we believe that when people work together with shared values and an open mind, anything is possible.

Tradition is always in the making; join us in celebrating our roots and being a part of what’s next.

What You'll Be Doing

We’re growing at Tradition and seeking a Commercial Real Estate (CRE)-focused Credit Analyst for our team. This role is centered on the underwriting of income-producing real estate and development projects. We require candidates to have a strong foundation in credit analysis and expect 5+ years of relevant experience, with a clear emphasis on commercial real estate underwriting. Compensation and title offered will reflect the candidate’s experience. 

The CRE Credit Analyst is responsible for supporting the production team through detailed financial analysis, underwriting, structuring, documenting, and monitoring existing and prospective client relationships, consistent with our Client Service Standards. This role is heavily focused on evaluating real estate cash flows, collateral performance, and market fundamentals to support credit decisions. 

How You'll Get the Job Done

• Analysis & Underwriting: Prepare financial spreads and credit presentations that sufficiently and appropriately summarize the sources of repayment using a risk-based approach. Demonstrate experience in analyzing and underwriting complex credits. Successfully execute work product, including; historical and projected business and personal cash flow, global cash flow, collateral analysis of real and personal property, understanding / analysis of economic and competitive environment of the borrower and/or industry, recommending appropriate covenants, and monitoring other structural and risk mitigating components of the credit accommodation. Maintain knowledge of the Bank’s Loan Policy.
• Credit Administration: Assist lenders with on-going credit administration and portfolio management including the periodic review of borrower reporting, rent rolls, updating ticklers, and ongoing account monitoring for compliance with reporting requirements and covenants. Set up and maintain electronic credit files.
• Documentation: Read, review and understand different loan documentation. Demonstrate experience to review documentation of all components of the approved credit accommodation.
• Collaboration: Work collaboratively across credit and lending teams to identify opportunities for enhanced client service. Accompany lenders on client visits when necessary. Serve as a resource for other analysts and provides backup to fellow analysts. 
• Productivity: Provide prompt turnaround on customer and credit requests, while communicating the status of loans in process with lender and/or credit managers. Demonstrate ability to work independently with minimal supervision and oversight.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time without notice.

What Sets You Apart

• A role model for our core values: Do the Right Thing, G.S.D. (Get Stuff Done), One Team, and Give Generously
• Strong analytical background with demonstrated expertise in commercial real estate, including multi-family, office, retail, and industrial
• Familiarity with CRE data and market tools (CoStar preferred)
• Demonstrated commitment to defect free, timely, and caring client service
• Able to perform at a high level in a fast-paced environment
• Flexible to change in a growing organization
• Detail oriented and highly analytical
• Expertise in quantitative analysis 
• Strong knowledge of financial statements 
• Excellent verbal and written communication skills
• Proficient at Microsoft Excel, Word, Outlook and PowerPoint; strong technical ability
• May have experience in Baker Hill spreading software, and Fiserv or other Credit Risk Management Systems
• An independent, quick learner 
• Able to prioritize and manage multiple projects/tasks
• Demonstrate a collaborative work style and respect for others
• Demonstrate self-motivation and present a resourceful work ethic
• Is accountable for demonstrating compliance with the Bank Secrecy Act, Privacy of Consumer Financial Information and all other federal and state rules and regulations as it pertains to their position at the bank. 

Professional & Educational Experience You Bring

A Bachelor’s Degree from four-year College or University with emphasis on business, finance, accounting, or statistics; a minimum of 5 years of experience in credit analysis with a strong emphasis on commercial real estate, or equivalent combination of education and experience.

Benefits & Compensation  

Tradition Capital Bank recognizes and values everyone’s unique needs for their careers, families, and individual health. That’s why we offer competitive benefits to promote wellness in our employees and their loved ones, including:

• Healthcare (medical with HSA, dental, and voluntary vision) 
• Short-term and long-term disability 
• Basic and voluntary life & AD&D insurance
• EAP – Employee Assistance Program
• Flexible spending accounts
• 401(k) with employer match; ability to purchase Bank stock through 401k
• Paid time off & paid holidays
• Family Care Reimbursement (up to $500 annually for 2026)
• Wellness Time (up to 2 hours/week)
• Keystone employee directed giving opportunities (annual Insight Trip opportunities, up to $500 for grants and double match dollars)

For this position, we anticipate a pay range between $100,000-$150,000 annually. Final offers will vary based on individual job-related knowledge, skills, and abilities. This position is eligible for a discretionary annual bonus based on individual and Bank performance. 

Work Environment:

• While performing the duties of this job, the employee is regularly required to stand, walk, use hands to type, carry, handle and feel objects, reach with hands and arms, talk or hear. The employee must occasionally lift and/or move up to 25 pounds and more with assistance. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception in the window environment and the ability to adjust focus. 
• This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and filing cabinets.
• Local travel is expected for this position

*The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Tradition Capital Bank is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, creed, religion, national origin, sex, disability, veteran status, age, sexual orientation, or any other protected class under applicable federal, state, or local law.