Financial Credit Portfolio Strategist

Commercial Real Estate – Financial Credit Portfolio Strategist

About Us:

Shin Yen is a premier commercial real estate company with an extensive portfolio of properties in diverse regions. Our unwavering commitment to delivering outstanding services in property management, leasing, and investment has fueled our active expansion. In line with our growth, we are actively looking for experienced, detail-oriented individuals to join our team and contribute to our continued success.

Job Overview:

The Financial Credit Portfolio Strategist serves as a cornerstone in upholding the financial well-being and credibility of Shin Yen’s assets. This role entails analyzing past financial data, generating reports, and offering insights to optimize the company’s investments for maximum profitability.

As the Financial Credit Portfolio Strategist, you will assume a pivotal role in negotiating all financial terms for commercial real estate loans. This includes maintaining robust relationships with current banking partners, establishing connections with new financial institutions for future loan opportunities, facilitating capital injections for investors, programming investment data for both internal and external stakeholders, scrutinizing financial statements, gauging market trends, and contributing to budgeting and forecasting efforts. Your proficiency in financial analysis and comprehension of commercial real estate market dynamics will play a pivotal role in enhancing financial reporting accuracy and amplifying the performance of Shin Yen’s assets.

Key Responsibilities:

Credit Risk Analysis:

• Evaluate existing portfolio DSCR values by analyzing financial statements.
• Assess loan risks, maintain close ties with property management and accounting departments to effectively monitor DSCR values.
• Gather updated information on Real Estate Schedules of ownership and investors, as well as personal financial statements.

Portfolio Management:

• Monitor the loan portfolio to identify risks and opportunities.
• Develop and implement strategies to optimize the risk-return profile.
• Review and adjust credit limits, interest rates, and terms to maintain portfolio quality.
• Maintain relationships with existing bankers and explore new opportunities with banks, insurance, CMBS, and other avenues for loan opportunities.

Capital Injection and Investments:

• Develop financial packages to attract capital injection from investors.
• Monitor investors' financial strength and approve their finances for collaboration on investment opportunities.
• Utilize tools like Argus to provide comprehensive analyses of investment properties to lenders and investors.

Credit Policy Development:

• Collaborate with senior management to develop and update policies and procedures.
• Ensure compliance with regulatory requirements and internal guidelines.

Reporting and Communication:

• Prepare regular reports on portfolio performance, including key metrics like DSCR, loan tracker, Real Estate Schedules, personal financial statements, and property-related issues via income statement and balance sheet analysis, AR/AP reports.
• Communicate effectively with internal stakeholders, including senior management, to provide updates on portfolio performance and recommend strategic initiatives.

Risk Mitigation:

• Identify emerging risks and develop strategies to mitigate potential losses.
• Implement risk management tools and techniques to monitor and control credit risk exposure.

Qualifications:

• Bachelor's degree in finance, economics, or a related field. Advanced degree (MBA, CFA) preferred.
• Eight (8) or more years of experience in credit analysis, portfolio management, or a related field.
• Strong understanding of accounting principles and financial concepts.
• Financial planning and analysis exposure (FP&A)
• Proficiency in financial modeling, data analysis, and spreadsheet software (e.g., Microsoft Excel, financial modeling tools). Familiarity with financial databases and tools for market research (e.g., Bloomberg, Capital IQ).
• Strong analytical skills with the ability to interpret complex financial data.
• Knowledge of credit risk models and techniques.
• Familiarity with regulatory requirements and industry best practices.
• Excellent communication and interpersonal skills.
• Ability to work effectively in a fast-paced environment and manage multiple priorities simultaneously.
• Effective communication skills, both verbal and written, with the ability to present complex financial information in a clear and concise manner.
• Exceptional analytical skills, problem-solving, with attention to detail accuracy.
• Strong organizational and time management skills with the ability to prioritize tasks and meet deadlines.
• Ability to work independently if needed in a fast-paced environment.

Job Type: Full-time

Pay: $125,000.00 - $130,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Experience level:

• 8 years

Schedule:

• Monday to Friday
• Weekends as needed

Education:

• Bachelor's (Preferred)

Ability to Commute:

• Chino, CA (Required)

Work Location: In person