Associate - Real Estate Credit
Key Responsibilities
Investment Analysis
- Assess new financing opportunities, with a focus on development and transitional real estate projects
- Review appraisals, project budgets, business plans and sponsor credentials
- Analyse loan metrics including LTC, LTGDV and coverage ratios
- Prepare sensitivity testing and downside scenarios to evaluate risk
Financial Modelling
- Build, refine and audit financial models for development and transitional assets
- Evaluate cash flow forecasts, exit assumptions and contingency requirements
- Support the design and comparison of senior, stretch‑senior and mezzanine structures
Transaction Execution
- Draft investment committee materials and credit papers
- Support due‑diligence workstreams including legal, valuation and technical reviews
- Liaise with external advisors such as valuers, monitoring surveyors and legal counsel
- Contribute to negotiating and documenting loan terms
Portfolio Support
- Monitor active loans and ongoing project performance
- Review borrower updates and financial reporting
- Assist with covenant tracking and internal credit reporting
Candidate Profile
Experience
3-7+ years from one or more of the following:
- Real estate debt funds or alternative lenders
- Development finance teams
- Structured finance or credit groups within banks
- Real estate private equity or investment platforms
Ideal candidates will bring:
- Experience with development or transitional real estate assets
- Strong working knowledge of investment and credit underwriting
- Familiarity with appraisals, project budgets and risk assessments
Technical Skills
- Advanced Excel and financial modelling capability
- Strong understanding of development appraisals and cash flow dynamics
- Knowledge of common real estate lending structures (LTC, LTGDV, etc.)
- Ability to interpret valuation reports and technical due‑diligence outputs
Personal Attributes
- Highly analytical with exceptional attention to detail
- Commercially astute with strong problem‑solving ability
- Comfortable operating in a fast‑moving, transaction‑driven environment
- Clear, concise communicator with strong written skills
- Ownership mindset and a strong sense of accountability
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