Commercial Real Estate Support Analyst

United Financials Capital, LLC; Minnesota; On-site; USD 70,000 - 95,000; Full time

Job summary

United Financials Capital (UFC) is seeking a Commercial Real Estate Support Analyst to provide front-end credit review and transaction support for our lending operations. This role analyzes incoming loan opportunities, evaluates sponsor and collateral strength, and prepares professional, committee-ready credit packages for presentation to UFC’s Credit Committee.

You will coordinate with accounting, underwriting, legal, servicing, and title teams to move opportunities from approval through

Qualifications

• Experience as an analyst in CRE lending.
• Solid understanding of CRE fundamentals and credit presentation.
• Strong written and verbal communication skills.

Responsibilities

• Perform front-end loan file review focusing on credit quality, sponsor strength, collateral and deal structure.
• Analyze rent rolls, operating statements, appraisals, environmental reports, insurance policies, and title commitments.
• Prepare concise credit narratives and committee-ready credit packages for the Credit Committee, executive team, and Board.
• Coordinate transaction execution with accounting, underwriting, vendors, legal counsel, servicing partners and title/insurance vendors.
• Communicate with borrowers and credit union partners throughout the transaction lifecycle.
• Manage UFC’s SharePoint document system and ensure audit-ready loan files.

Skills

CRE lending experience

Strong communication

Organized and self-driven

Team-oriented

Proficient in Word & Excel

Tools

SharePoint

Microsoft Excel

Microsoft Word

Job description

Who We Are

United Financials Capital (UFC) is a commercial real estate loan origination and lending platform built by Minnesota credit unions to better serve their members. UFC unites partner institutions across the Upper Midwest through collaboration, shared expertise, and efficient execution to expand credit unions’ reach in commercial real estate lending.

Our platform enables credit union owners to book high-quality loans directly on their own balance sheets while reducing internal staffing demands, diversifying portfolios, and delivering essential financial services to members. UFC is highly selective and credit-focused, managing loans across four core asset classes: Multifamily, Retail, Industrial, and Senior Healthcare, with typical loan sizes ranging from $2 million to $35 million.

Credit unions have invested in UFC to create a dynamic vehicle for growth in both liquid and tight markets, and we are now expanding our team with the addition of a Commercial Real Estate Support Analyst.

Position Overview

UFC is hiring a Commercial Real Estate Support Analyst to provide front-end credit review and transaction support for our lending operations. This role focuses on analyzing incoming loan opportunities, evaluating sponsor and collateral strength, and preparing professional, committee-ready credit packages for presentation to UFC’s Credit Committee.

As transactions advance, this position will coordinate closely with UFC stakeholders – including accounting, underwriting, legal, servicing, and title teams, to ensure opportunities move efficiently from approval through closing, onboarding, and booking on UFC’s platform.

This role also offers a unique opportunity to engage with senior leadership and work alongside some of the most respected C-level leadership teams in the credit union industry.

Key Responsibilities

• Perform detailed front-end loan file review with focus on credit quality, sponsor strength, collateral, and deal structure.
• Analyze rent rolls, operating statements, appraisals, environmental reports, insurance policies, and title commitments.
• Prepare clear, concise credit narratives and committee-ready credit packages for the Credit Committee, executive team, and Board.
• Coordinate transaction execution by working closely with:
  • Accounting team to record and book loans.
  • Underwriting team on financial modeling and conditions tracking,
  • Outside vendors on appraisal, environmental due diligence and site visits,
  • Legal counsel on participation and control documentation,
  • Servicing partners on post-approval requirements,
  • Title and insurance vendors on closing deliverables.
• Communicate with borrowers on loan underwriting, documentation requests and status updates.
• Communicate with credit union partners and committees throughout the transaction lifecycle.
• Support leadership with out-of-the-box problem solving, pipeline management, and transaction execution.
• Manage and maintain UFC’s SharePoint document management system, ensuring loan files and supporting documentation are organized, complete, version-controlled, and audit-ready.
• Perform other duties as may be requested or assigned.

Required Qualifications

• Experience as an analyst in the CRE lending space within a bank, credit union, or financial platform.
• Solid understanding of commercial real estate fundamentals and credit presentation.
• Strong written and verbal communication skills with a personable, professional demeanor.
• Highly organized, self-driven, and capable of managing multiple opportunities simultaneously.
• Collaborative mindset; team-oriented approach.
• Strong proficiency in Microsoft Word and Excel.
• Experience supporting or managing document management systems, preferably SharePoint or similar platforms.

Technical Skills

• Strong working knowledge of Excel as used in commercial real estate underwriting and credit analysis.
• Ability to review borrower financial statements, property-level operating statements, rent rolls, appraisals and environmental reports.
• Experience analyzing cash flow, Net Operating Income (NOI), Debt Service Coverage Ratio (DSCR), Loan-to-Value (LTV,and global cash flow where applicable.
• Ability to review and analyze underwriting models, including stress testing and sensitivity analysis related to interest rates, rents, expenses, and exit assumptions.
• Ability to identify risks, inconsistencies, and credit concerns.
• Ability to prepare professional credit narratives, executive summaries, and committee-ready documentation.
• Experience assembling polished loan packages for Credit Committee and Board review.

Document Management & Organization

• Experience managing electronic loan files and structured document repositories.
• Proficiency using SharePoint or similar systems, including folder structure, version control, and documentation completeness.
• High attention to detail with emphasis on data accuracy, consistency, and audit readiness.

Career Opportunity & Reporting

• Reports Directly To:President / CEO – United Financials Capital.
• Opportunity to be on the ground floor of a growing, credit union-owned platform designed to expand CRE lending capabilities.
• Regular interaction with UFC executives and partner credit union C-level teams across Minnesota and the Upper Midwest.

Work Location & Schedule

• UFC offices are located in Inver Grove Heights, MN.
• Position is in-office, Monday through Friday, 8:00 AM – 5:00 PM.

Compensation

• Pay scale dependent on CRE knowledge and prior analyst or financial-sector experience.
• CompetitivePaid Time Off (PTO)program, including vacation, sick time, and paid holidays.
• Health, dental, and vision insurance options.
• Retirement plan with employer contribution.
• Opportunity for professional growth alongside experienced executives in the credit union and CRE industries.
• Stable, collaborative work environment with long-term growth potential.

Why UFC

United Financials Capital offers a rare opportunity to move beyond a traditional analyst role and become part of a collaborative, credit-driven platform built by and for credit unions. At UFC, you will gain direct access to senior leadership, meaningful exposure to board-level decision making, and the ability to see transactions through the full lifecycle, from initial review to closing and booking.

This role is ideal for a motivated CRE professional who values credit quality, teamwork, and long-term relationship building, and who wants to help shape a growing platform. If you are seeking a hands‑on role with visibility, responsibility, and room to grow, UFC is the place to build the next phase of your career.