Sr. Real Estate Risk Analyst

godirect; Atlanta (GA); On-site; USD 100,000 - 140,000; Full time

Job summary

Voya Financial is seeking a skilled risk professional to support risk management, performance monitoring, valuation, reporting, and data analytics for a $15B+ institutional CRE debt portfolio. You will focus on portfolio surveillance, annual loan reviews, credit ratings, and the development of scalable risk analytics tools.

This role is based near Atlanta with onsite presence expected up to 3–5 days per week to support team objectives and business priorities.

Qualifications

• Bachelor's degree required.
• 3 to 6 years of experience in commercial real estate finance, accounting, credit risk, portfolio analytics, asset management, valuation, or investment analysis.
• Experience analyzing accounting reports and assessing financial, operational, or investment risk.
• Strong analytical, written, and interpersonal skills with the ability to present insights to senior leadership.
• Strong attention to detail to identify trends, anomalies, and risks.
• Ability to manage multiple priorities in a dynamic environment.

Responsibilities

• Manage and analyze credit risk, performance, and valuation trends across a $15B+ CRE debt portfolio.
• Perform annual loan underwriting and credit reviews, evaluating performance and risk.
• Support credit ratings, watchlists, and risk migration analyses.
• Enhance early detection of problem loans via stress testing and portfolio surveillance.
• Develop dashboards, risk analytics tools, and executive-grade reporting.
• Analyze asset performance, concentration risk, and key risk indicators.
• Support audit requests and portfolio analytics initiatives.
• Contribute to data analytics, reporting automation, and scalable tools.

Skills

Analytical skills

Written & interpersonal communication

Attention to detail

Multitasking / prioritization

Education

Bachelor's degree

Tools

Data analytics tools

AI platforms

Job description

Together we fight for everyone's opportunity for a better financial future. We will do this together - with customers, partners and colleagues. We will fight for others, not against: We will stand up for and champion everyone's access to opportunities. The status quo is not good enough ... we believe every individual and every community deserves access to financial opportunities. We are determined to support both individuals and communities in reaching a better financial future. We know that reaching this future depends on our actions today.

Like our Purpose Statement, Voya believes in being bold and committed to action. We are committed to a work environment where the differences that we are born with - and those we acquire throughout our lives - are understood, valued and intentionally pursued. We believe that our employees own our culture and have a responsibility to foster an environment where we all feel comfortable bringing our whole selves to work. Purposefully bringing our differences together to positively influence our culture, serve our clients and enrich our communities is essential to our vision.

Get to Know the Opportunity:

The successful candidate will support the risk management, performance monitoring, valuation, reporting, and data analytics functions for a $15B+ institutional commercial real estate debt portfolio across multiple property types, geographies, borrowers, and capital sources. This role will focus on portfolio surveillance, annual loan reviews, credit ratings, valuation analysis, stress testing, executive-level reporting, and the continued development of scalable risk analytics and automation tools supporting the Commercial Mortgage Loan (CML) platform.

This role is based near our Atlanta office, with expected onsite presence on average up to 3-5 days per week to support team and business priorities.

The Contributions You'll Make:

• Manage and analyze credit risk, performance, and valuation trends across a $15B+ commercial real estate debt portfolio, including property-level cash flow, market conditions, sponsor strength, tenant exposure, maturity risk, borrower performance, and emerging macroeconomic or capital markets risks.
• Perform annual loan underwriting and credit reviews, evaluating property financial performance, valuation trends, refinancing risk, collateral quality, and key credit metrics to assess investment risk and portfolio performance.
• Assign, monitor, and support credit ratings, including rating migration analysis, watchlist identification, early-stage credit deterioration, and identification of portfolio trends and potential opportunities.
• Enhance processes for the early detection of potential problem loans through stress testing, scenario analysis, and portfolio surveillance activities.
• Develop, maintain, and improve portfolio dashboards, risk analytics tools, quarterly portfolio review materials, and executive-level reporting used by senior leadership.
• Analyze asset performance, credit trends, concentration risk, valuation changes, maturity profiles, and key risk indicators across the portfolio.
• Support ad hoc audit requests, portfolio analytics initiatives, and internal and external survey requests.
• Contribute to the ongoing enhancement of data analytics, reporting automation, and scalable portfolio management tools.

Minimum Knowledge & Experience:

• Bachelor's degree required.
• 3 to 6 years of experience in commercial real estate finance, accounting, credit risk, portfolio analytics, asset management, valuation, investment analysis, or a related field.
• Experience analyzing accounting reports and assessing financial, operational, or investment risk.
• Strong analytical, written, and interpersonal skills with the ability to synthesize complex information into clear, actionable insights for senior leadership, investment committees, and portfolio review discussions.
• Strong attention to detail with the ability to identify trends, anomalies, and potential risks through thorough review and analysis of financial, credit, valuation, and portfolio data.
• Demonstrated ability to manage multiple priorities and deliver high-quality analyses in a dynamic environment.

Preferred Knowledge & Experience:

• Degree in real estate, finance, accounting, economics, business, data analytics, or a related discipline.
• Commercial real estate experience.
• Understanding of commercial mortgage loans, real estate fundamentals, financial statements, valuation methodologies, and key credit metrics.
• Experience with data management, reporting automation, AI platforms, workflow improvement initiatives, or advanced analytics tools.
• Exposure to portfolio monitoring, credit ratings, loan surveillance, stress testing, or risk management frameworks.