Analyst - Performing Loans

Rialto Associate Services, LLC; Miami (FL); On-site; USD 65,000 - 90,000; Full time

Job summary

Rialto Capital is hiring an Associate underwriter to assess performing loan requests, analyze property-level cash flows, and prepare credit recommendations through closing. You will review operating statements, rent rolls, leases, third‑party reports, and loan documents, presenting conclusions to senior management.

The role requires 1–3 years in commercial real estate or loan servicing, a bachelor's degree in a related field, and strong Excel/Office skills.

Qualifications

• Bachelor’s Degree from an accredited university required, preferably 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.

Responsibilities

• Underwrite performing loan requests for reserve disbursements, property manager changes, lease approvals, loan assumptions, equity transfers, franchise changes and other requests through closing stages.
• Perform property-level quantitative credit analyses including DSCR, debt yield, and cash flow analyses.
• Evaluate and abstract third-party reports, loan documents, service contracts and leases.
• Negotiate complex transactions and draft credit recommendation memoranda for senior management.
• Communicate effectively with borrowers, counsel, property managers, vendors, and Rialto departments.
• Ensure all requests comply with terms of related Loan Documents.

Skills

Communication skills

Interpersonal skills

Attention to detail

Multi-tasking

Team collaboration

Education

Bachelor's degree from an accredited university (Real Estate/Finance related)

Master’s Degree or other post-graduate 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 setting

While 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.

Rialto Capital is an integrated investment management and asset management platform, with a dedicated special servicer. Our mission is to be a world-class, industry leading organization that creates long term value for our investors and sustains results across market cycles. Our team of over 260 associates throughout the United States and Europe is guided by our commitment to a culture of social responsibility, inclusion & diversity, and responsible investing. Rialto Capital has made a commitment to create a high-performance culture driven by an entrepreneurial spirit and an absolute commitment to integrity, respect, inclusion and giving back to the communities in which we work and live. We have focused our vision on becoming a real estate investment, asset management, servicing and finance company most admired for its people, capabilities and performance. We are always looking for Talent within our Investment Management team.