Associate - Asset Management & Servicing

3650 Capital; Miami (FL); On-site; USD 80,000 - 110,000; Full time

Job summary

3650 Capital is a national commercial real estate lending, investment and services firm headquartered in Miami with offices in New York and Beverly Hills. We seek an Associate for our Asset Management & Servicing team to analyze financial statements, review documentation, and prepare comprehensive reports on outstanding assets.

The ideal candidate is a self-starter with strong analytical, organizational, and communication skills, able to manage multiple tasks and interact with borrowers and

Qualifications

• 2-4 years' experience in Loan Asset Management in commercial real estate preferred.
• Bachelor’s degree in business, finance, accounting or real estate is required.
• Ability to manage multiple high priority tasks under strict deadlines with quality output.
• Understanding of CRE, CRE finance, and real estate markets.
• Experience in CMBS loans is a plus.

Responsibilities

• Act as the primary point of contact for servicing and credit administration of an assigned CRE loan portfolio.
• Independently manage borrower communication, client meetings, and industry events to support relationship management.
• Perform financial analysis and credit risk assessments including cash flow, collateral, guarantor strength, and covenants.
• Identify emerging credit issues and provide clear analysis and recommendations to management.
• Prepare loan approval recommendations for borrower requests in accordance with loan documents.
• Coordinate with third-party consultants and specialists as needed.
• Analyze property operating performance through financial statements, rent rolls, and budgets.
• Prepare debt service coverage ratio and debt yield calculations.
• Conduct market research to support asset management decisions.

Skills

Loan asset management

Financial analysis

Credit risk assessment

Portfolio management

Client relationship management

Excel proficiency

Education

Bachelor’s degree in business, finance, accounting or real estate

Tools

Microsoft Excel

MS Office Suite

Job description

3650 Capital is a national commercial real estate lending, investment and services firm led by a unique team of industry leaders in partnership with globally recognized institutional investors. The firm is headquartered in Miami with additional main offices in New York City and Beverly Hills.

Led by Justin Kennedy, Toby Cobb, and Jonathan Roth, 3650’s team comprises highly experienced CRE professionals from Deutsche Bank, Goldman Sachs, LNR and Canyon Partners.

For additional information, please visit our website at www.3650capital.com.

3650 Capital has an opportunity for an Associate on our Asset Management & Servicing team. This role involves frequent communication with borrowers, analyzing financial statements, reviewing legal documentation, and preparing comprehensive reports on outstanding assets. The ideal candidate is an independent self-starter with strong analytical skills, exceptional organizational and multitasking abilities, keen attention to detail, and excellent verbal and written communication skills.

Primary Duties and Responsibilities

• Act as the primary point of contact for servicing and credit administration of an assigned commercial real estate loan portfolio, ensuring strong client service and portfolio performance.
• Independently manage daily responsibilities, including borrower communication, client meetings, and participation in industry events to support relationship management and business development.
• Perform comprehensive financial analysis and credit risk assessments, including cash flow, collateral performance, guarantor strength, and covenant compliance.
• Identify and elevate emerging credit issues or policy exceptions, providing clear analysis and recommendations to management.
• Maintain organized workflows, accurate documentation of client interactions, and timely completion of all assigned tasks.
• Prepare approval recommendations for borrower requests such as reserve disbursements, post-closing obligations, property management changes, loan assumptions, franchise changes, equity changes, and lease approvals in compliance with loan documents.
• Complete property and loan valuations using proprietary models under the guidance of senior team members.
• Conduct local market research and analysis to support asset management decisions.
• Coordinate with third-party consultants, including attorneys, receivers, management/leasing companies, appraisers, environmental engineers, and surveyors.
• Analyze property operating performance through review of financial statements, rent rolls, STR reports, and property budgets.
• Prepare financial analyses, including debt service coverage ratio, debt yield calculations, and tenant roll reviews.
• Conduct comparative lease analyses to evaluate proposed deals against underwritten financials.
• Perform ad-hoc reporting and assist with special projects as needed.

Job Qualifications / Experience

• 2-4 years' experience in Loan Asset Management in commercial real estate preferred
• Bachelor’s degree required, preferably in business, finance, accounting or real estate
• Ability to manage multiple high priority tasks simultaneously under strict deadlines and produce high quality work requiring minimal revisions
• Understanding of commercial real estate, real estate terminology, and CRE finance
• Understanding of real estate markets and asset valuations
• Experience in managing CMBS loans
• Ability to work effectively as part of a large team
• Outstanding financial, organizational, analytical, and decision-making skills
• Excellent communication, management, and interpersonal skills with a strong attention to detail
• Proficient in Microsoft Excel for reporting and analysis; experience with other Microsoft Office products, including Microsoft Word, PowerPoint and Outlook