Analyst - Performing Loans

Rialto Capital; Miami (FL); On-site; USD 60,000 - 80,000; Full time

Job summary

A financial services firm in Miami is seeking an Analyst to support the management of Performing Loan Requests. Responsibilities include underwriting loan requests, conducting quantitative credit analyses, and evaluating property operating performance. The ideal candidate holds a Bachelor’s degree in a relevant field and has 1-3 years of experience in commercial real estate or related areas. This role demands excellent communication skills and attention to detail in a collaborative team environment.

Qualifications

• 1-3 years of related experience in commercial real estate, property underwriting, loan servicing, or related field preferred.
• Strong work ethic and attention to detail are essential.

Responsibilities

• Underwrite performing loan requests for various transactions.
• Perform quantitative credit analyses to formulate credit recommendations.
• Analyze property operating performance through review of documents.
• Negotiate complex transactions.
• Communicate effectively with internal and external parties.

Skills

Commercial real estate knowledge

Financial modeling skills

Loan document understanding

Excellent written and verbal communication skills

Proficiency with Microsoft Office applications

Education

Bachelor’s Degree in Real Estate, Finance, Accounting or related field

Master’s Degree or other post-graduate degree

Job description

Summary

The Analyst will work closely with company leadership and professional service firms in the day-to-day management and advancement of Performing Loan Requests in Rialto’s portfolio. This individual will have a blend of commercial real estate knowledge, loan document understanding and financial modeling skills.

Key Responsibilities

• Underwrite performing loan requests for reserve disbursements, property manager changes, lease approvals, loan assumptions, equity transfers, franchise changes and other requests as needed from time of assignment through closing stages
• Perform property-level quantitative credit analyses including: debt service coverage ratio calculations, debt yield calculations, property specific cash flow analysis, tenant roll, and other financial analysis/modeling in order to formulate and substantiate a credit recommendation
• Analyze property operating performance through review of operating statements, rent rolls and leases
• Evaluate and abstract third-party reports, loan documents, service contracts and leasing / listing agreements
• Negotiate complex transactions
• Draft credit recommendation memoranda and present conclusions to senior management
• Communicate effectively with internal and external parties including borrowers, legal counsel, property managers, vendors, and other Rialto departments
• Ensure all requests are handled in compliance with the terms of the related Loan Documents

Specifications

• Bachelor’s Degree from an accredited university is required preferably specializing in Real Estate, Finance, Accounting or related business field
• Master’s Degree or other post-graduate degree preferred
• 1-3 years of related experience in commercial real estate, property underwriting, loan servicing, or other related field is preferred
• Proficiency with Microsoft Office applications
• Excellent written and verbal communication skills are essential attributes with strong interpersonal skills for effective interactions with internal and external stakeholders
• Strong work ethic and attention to detail
• Ability to multi-task and collaborate within a team setting