Analyst - Performing Loans

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

Job summary

A leading financial services firm in Miami is seeking an Associate for underwriting roles. Responsibilities include analyzing loan requests, performing quantitative credit assessments, and negotiating detailed transactions. The ideal candidate holds a Bachelor's degree in finance or a related field, with 1-3 years of relevant experience. Strong communication and financial analytical skills are essential for effective collaboration within diverse teams and interactions with stakeholders. Competitive benefits and commitment to equal employment opportunities are offered.

Qualifications

• 1-3 years of related experience in commercial real estate or property underwriting.
• Proficient in financial modeling and analysis.
• Strong interpersonal skills to engage with stakeholders.

Responsibilities

• Underwrite performing loan requests for various property-related transactions.
• Perform quantitative credit analyses including debt service coverage ratio calculations.
• Communicate effectively with internal and external parties.
• Negotiate complex transactions and draft credit recommendations.

Skills

Financial analysis

Communication skills

Attention to detail

Team collaboration

Education

Bachelor’s Degree in Real Estate, Finance, Accounting

Master’s Degree preferred

Tools

Microsoft Office

Job description

**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 settingWhile performing the duties of this job, the Associate is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop. The Associate must occasionally lift and/or move up to 25 pounds. Evening or weekend work may be necessary to meet deadlines.This description outlines the basic tasks and requirements for the position noted. It is not a comprehensive listing of all job duties.Rialto Capital is committed to the principles of Equal Employment Opportunity. Our policy is to provide equal employment opportunity to all applicants and Associates without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity or expression, national origin, age (40+), disability, veteran status, genetic information (including family medical history), or any other legally protected status.Our company uses E-Verify to confirm the employment eligibility of all newly hired employees.To learn more about E-Verify, including your rights and responsibilities please visit: **e-verify.gov**.