Senior Credit Analyst

Peachtree Group; Seattle (WA); On-site; USD 110,000 - 150,000; Full time

Job summary

Peachtree Group seeks a highly motivated Senior Credit Analyst to join its growing Credit team in Seattle. You will evaluate, underwrite, and execute CRE debt investments across the firm's platform, collaborating with senior leadership on diverse financing structures.

The role emphasizes advanced financial modeling, deep CRE market knowledge, and clear, concise credit memos for investment committees, with mentorship for junior analysts and broad exposure to assets and markets.

Qualifications

• Bachelor's degree in Finance, Accounting, Real Estate, Economics, or related field.
• 3–5+ years in CRE credit, lending, underwriting, investment banking, debt capital markets, or related field.
• Strong CRE finance knowledge, loan structures, and financial analysis.
• Advanced proficiency in Excel, including complex financial modeling and sensitivity testing.
• Experience preparing credit memorandums and underwriting packages.
• Ability to analyze financial statements, assess borrower creditworthiness, and evaluate collateral and risks.
• Familiarity with DSCR, LTV, debt yield, IRR, and cash-on-cash returns.
• Strong written and verbal communication; ability to present complex data clearly.
• Attention to detail and ability to manage multiple transactions in a fast-paced env.
• Independent work style with cross-functional collaboration.

Responsibilities

• Lead and support underwriting and credit analysis of CRE lending opportunities.
• Develop and maintain detailed financial models, cash flow projections, valuation analyses, and sensitivity scenarios.
• Analyze borrower financial statements, property operating performance, market fundamentals, collateral valuations, and transaction structures.
• Prepare credit memorandums, investment presentations, and underwriting packages for internal committees.
• Evaluate transaction risks including leverage, DSCR, liquidity, sponsor strength, and market exposure.
• Assist in structuring loan terms, evaluating financing alternatives, and risk mitigation strategies.
• Conduct due diligence including third-party reports, appraisals, environmental assessments, and legal docs.
• Collaborate with originations, asset management, legal, and capital markets teams.
• Support execution and closing of credit investments with stakeholders.
• Monitor portfolio performance and identify emerging credit risks.
• Perform market research and competitive analysis to support decisions and enhance underwriting processes.
• Provide mentorship to junior analysts.

Skills

Credit analysis

Financial modeling

DSCR/LTV analysis

Cash flow projections

Underwriting

Portfolio monitoring

Investment committee materials

Communication

Attention to detail

Team collaboration

Education

Bachelor's degree in Finance/Accounting/Real Estate/Economics

Tools

Microsoft Excel

Job description

Peachtree Group is a vertically integrated investment management firm specializing in identifying and capitalizing on opportunities across commercial real estate and credit markets. With a diversified investment platform and an entrepreneurial approach, Peachtree Group provides innovative capital solutions while delivering value to investors and borrowers.

Position Overview

Peachtree Group is seeking a highly motivated and analytical Senior Credit Analyst to join its growing Credit team. This individual will play a key role in evaluating, underwriting, and executing commercial real estate debt investments and financing opportunities across the firm's credit platform.

The ideal candidate will possess strong financial modeling and credit analysis capabilities, a solid understanding of commercial real estate fundamentals, and experience evaluating complex financing transactions. This position offers the opportunity to work closely with senior leadership and gain exposure to a broad range of credit investments, asset classes, and transaction structures.

Key Responsibilities

• Lead and support the underwriting and credit analysis of commercial real estate lending opportunities across various property types and markets.
• Develop and maintain detailed financial models, cash flow projections, valuation analyses, and sensitivity scenarios to evaluate potential investments.
• Analyze borrower financial statements, property operating performance, market fundamentals, collateral valuations, and transaction structures.
• Prepare comprehensive credit memorandums, investment presentations, and underwriting packages for internal credit committees and senior leadership.
• Evaluate transaction risks, including leverage, debt service coverage, liquidity, sponsor strength, and market exposure.
• Assist in structuring loan terms, evaluating financing alternatives, and recommending appropriate risk mitigation strategies.
• Conduct thorough due diligence, including reviewing third-party reports, appraisals, environmental assessments, property condition reports, and legal documentation.
• Collaborate with originations, asset management, legal, and capital markets teams throughout the transaction lifecycle.
• Support the execution and closing of credit investments by coordinating with internal stakeholders, borrowers, lenders, and external advisors.
• Monitor portfolio performance, identify emerging credit risks, and assist with ongoing asset-level analysis and reporting.
• Perform market research and competitive analysis to support investment decisions and identify emerging lending opportunities.Contribute to the continued enhancement of underwriting processes, financial models, and credit evaluation methodologies.
• Provide guidance and mentorship to junior analysts, including reviewing financial analyses and underwriting materials.

Qualifications

• Bachelor's degree in Finance, Accounting, Real Estate, Economics, or a related field.
• 3–5+ years of experience in commercial real estate credit, lending, underwriting, investment banking, debt capital markets, or a related field.
• Strong understanding of commercial real estate finance, credit fundamentals, loan structures, and financial analysis.
• Advanced proficiency in Microsoft Excel, including complex financial modeling, cash flow analysis, and sensitivity testing.
• Experience preparing credit memorandums, investment committee materials, and transaction-level underwriting packages.
• Ability to analyze financial statements, assess borrower creditworthiness, and evaluate collateral and transaction risks.
• Familiarity with key credit metrics, including DSCR, LTV, debt yield, IRR, and cash-on-cash returns.
• Strong written and verbal communication skills with the ability to present complex financial information clearly and effectively.
• Excellent attention to detail, organizational skills, and ability to manage multiple transactions in a fast-paced environment.
• Demonstrated ability to work independently while collaborating effectively with cross-functional teams.

Preferred Qualifications

• Experience underwriting bridge loans, construction loans, transitional assets, or other structured commercial real estate debt investments.
• Exposure to hospitality and other commercial real estate asset classes.
• Prior experience with a commercial real estate lender, debt fund, private credit platform, investment bank, or financial institution.
• Experience reviewing and structuring complex credit transactions.
• Familiarity with commercial real estate market research platforms and financial modeling tools.

At Peachtree Group, you will have the opportunity to work alongside experienced investment professionals within a dynamic and growing credit platform. This role offers meaningful transaction exposure, direct interaction with senior decision-makers, and the opportunity to contribute to investment decisions across a diversified commercial real estate portfolio.

Peachtree Group offers a collaborative, entrepreneurial environment that values analytical thinking, initiative, professional development, and long-term career growth