Analyst – Performing Loans

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

Job summary

Rialto Capital, a fully integrated real estate investment management and asset management company, seeks an Analyst to support the Performing Loans group. You will provide analytical and underwriting support to senior team members across credit analysis, borrower requests, and portfolio management, ensuring compliance and active monitoring of performing loans.

You will develop hands-on experience with loan documentation, property-level financial analysis, and the credit approval process across

Qualifications

• Bachelor’s degree required in Real Estate, Finance, Economics or related field.
• 1+ years of CRE underwriting, loan servicing, or related experience.
• Advanced MS Office proficiency; strong financial modeling and data analysis skills.
• AI fluency: ability to use AI-enabled tools to enhance productivity while validating outputs.

Responsibilities

• Negotiate and structure complex real estate and financing transactions.
• Draft credit memo and present findings to senior management.
• Underwrite borrower requests from review through closing.
• Perform property-level credit analyses including DSCR, debt yield, and cash flow modeling.
• Assess operating performance via rent rolls, operating statements, and leases.
• Abstract third‑party reports and loan documents to identify risks and obligations.
• Communicate with borrowers, counsel, managers, and internal stakeholders to close transactions.
• Ensure borrower requests comply with loan documents and governance.

Skills

Real estate analysis

Credit underwriting

Financial modeling

Attention to detail

Independent work

Problem solving

Education

Bachelor's degree in Real Estate/Finance/Economics

Tools

Excel

PowerPoint

Word

Job description

Rialto is a fully integrated real estate investment management and asset management company with a dedicated special servicer. Rialto invests in and manages assets throughout the real estate capital structure, including real estate properties, loans and securities. Our mission is to create long-term value for our investors and sustain results across market cycles. Rialto is headquartered in Miami, FL, with professionals operating throughout the United States.

SUMMARY

The Analyst supports the Performing Loans group by providing analytical and underwriting support to senior team members in the credit analysis, borrower request underwriting, and portfolio management activities that ensure performing loans in Rialto’s portfolio remain compliant and well‑monitored. The Analyst helps process and underwrite borrower requests — including reserve disbursements, lease approvals, and loan assumptions — from initial review through closing, supporting the preparation of credit recommendation memoranda for senior management. Through this work, the Analyst develops hands‑on experience with performing loan documentation, property-level financial analysis, and the credit approval process across a diverse range of asset types and borrower structures.

KEY RESPONSIBILITIES

• Negotiate and structure complex real estate and financing transactions.
• Draft comprehensive credit recommendation memoranda and present findings and conclusions to senior management.
• Underwrite performing loan requests—including reserve disbursements, property manager changes, lease approvals, loan assumptions, equity transfers, franchise modifications, and other borrower requests—from initial review through closing.
• Conduct detailed property-level credit analyses, including debt service coverage ratio and debt yield calculations, property-level cash flow modeling, tenant roll analysis, and other financial assessments to support credit recommendations.
• Assess property operating performance through review and analysis of operating statements, rent rolls, and lease agreements.
• Evaluate and abstract third-party reports, loan documentation, service contracts, and leasing or listing agreements to identify key risks and obligations.
• Communicate effectively with borrowers, legal counsel, property managers, vendors, and internal stakeholders to facilitate transaction execution and portfolio management.
• Ensure that all borrower requests and approvals are processed in full compliance with the governing loan documents.
• Effectively uses AI to support research, synthesize information, analyze data, develop insights, and streamline workflows. Applies critical judgment to validate AI-generated outputs for accuracy, relevance, and completeness to finalize deliverables. Uses AI responsibly in accordance with company policies, confidentiality requirements, information-security standards, and applicable governance practices. Maintains awareness of evolving AI capabilities and identifies opportunities to appropriately integrate new tools into day‑to‑day work.

SPECIFICATIONS

• Bachelor’s Degree from an accredited university is required preferably specializing in Real Estate, Finance, Accounting, Economics, or related business field.
• 1+ years of relevant experience in commercial real estate, underwriting, loan servicing, or a related field; relevant internship experience will be considered.
• Advanced proficiency in Microsoft Office Suite, particularly Excel, PowerPoint, and Word.
• AI & Technology Fluency: Demonstrates proficiency in using AI-enabled and digital tools to enhance productivity, analysis, problem-solving, and work quality, applying critical judgment to validate and finalize outputs.
• Excellent verbal, written, and interpersonal communication skills, with the ability to present information clearly and concisely to a variety of audiences.
• Collaborative team player who works constructively with others to accomplish shared goals and identify solutions, while also able to work independently with minimal supervision.
• Highly organized and detail-oriented, with a strong commitment to accuracy, completeness, and accountability in all work product.
• Reliable and dependable, with the ability to manage multiple priorities simultaneously and consistently meet deadlines.
• Results-driven, with strong analytical and problem-solving skills and a focus on delivering high-quality outcomes in a timely manner.
• Flexibility to work outside of standard business hours as needed.

Working Conditions

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 and/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.

If you think you have what it takes to be a part of a fast-paced, high-performance team of entrepreneurs, and talented real estate investment and asset management experts, we want to hear from you.

For more information about career opportunities or to submit your resume, contact us at:

Rialto Capital focuses on the following core competencies in both recruitment and Associate development.

• Depth of Knowledge and Expertise
• Judgment and Decision Making
• Focused on Results and Adding Value
• Inclusive & Diverse Teamwork/Collaborative Problem Solving
• Thoroughness and Accountability

Our Total Rewards

Rialto Capital provides an attractive Total Rewards package for our Associates, which includes: